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$3,456
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,564
−HK$109/mo
Today · 4.125%
HK$3,673
baseline
▲ 0.50% · 4.625%
HK$3,897
+HK$224/mo
Deposit HK$758K · loan HK$758K · min. income ≈ HK$7,346/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,845
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,948
−HK$105/mo
Today · 4.125%
HK$4,053
baseline
▲ 0.50% · 4.625%
HK$4,267
+HK$214/mo
Deposit HK$758K · loan HK$758K · min. income ≈ HK$8,106/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,148
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,277
−HK$131/mo
Today · 4.125%
HK$4,408
baseline
▲ 0.50% · 4.625%
HK$4,676
+HK$268/mo
Deposit HK$606K · loan HK$909K · min. income ≈ HK$8,816/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,614
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,738
−HK$126/mo
Today · 4.125%
HK$4,864
baseline
▲ 0.50% · 4.625%
HK$5,120
+HK$256/mo
Deposit HK$606K · loan HK$909K · min. income ≈ HK$9,728/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,839
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,990
−HK$152/mo
Today · 4.125%
HK$5,142
baseline
▲ 0.50% · 4.625%
HK$5,455
+HK$313/mo
Deposit HK$455K · loan HK$1.06M · min. income ≈ HK$10,284/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,383
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,528
−HK$146/mo
Today · 4.125%
HK$5,674
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$299/mo
Deposit HK$455K · loan HK$1.06M · min. income ≈ HK$11,348/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,222
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,415
−HK$197/mo
Today · 4.125%
HK$6,612
baseline
▲ 0.50% · 4.625%
HK$7,014
+HK$402/mo
Deposit HK$152K · loan HK$1.36M · min. income ≈ HK$13,224/mo (50% DSR)
Upfront cash ≈ HK$152K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,921
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,107
−HK$188/mo
Today · 4.125%
HK$7,295
baseline
▲ 0.50% · 4.625%
HK$7,680
+HK$385/mo
Deposit HK$152K · loan HK$1.36M · min. income ≈ HK$14,590/mo (50% DSR)
Upfront cash ≈ HK$152K (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).