The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,427
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,533
−HK$109/mo
Today · 4.125%
HK$3,642
baseline
▲ 0.50% · 4.625%
HK$3,863
+HK$221/mo
Deposit HK$751K · loan HK$751K · min. income ≈ HK$7,284/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,812
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,915
−HK$103/mo
Today · 4.125%
HK$4,018
baseline
▲ 0.50% · 4.625%
HK$4,230
+HK$212/mo
Deposit HK$751K · loan HK$751K · min. income ≈ HK$8,036/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,112
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,240
−HK$130/mo
Today · 4.125%
HK$4,370
baseline
▲ 0.50% · 4.625%
HK$4,636
+HK$266/mo
Deposit HK$601K · loan HK$902K · min. income ≈ HK$8,740/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,575
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,697
−HK$125/mo
Today · 4.125%
HK$4,822
baseline
▲ 0.50% · 4.625%
HK$5,076
+HK$254/mo
Deposit HK$601K · loan HK$902K · min. income ≈ HK$9,644/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,798
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,947
−HK$151/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,409
+HK$311/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$10,196/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,337
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,480
−HK$146/mo
Today · 4.125%
HK$5,626
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$296/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$11,252/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,168
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,360
−HK$195/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,954
+HK$399/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,110/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,862
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$187/mo
Today · 4.125%
HK$7,233
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$381/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,466/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).