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$3,399
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,505
−HK$108/mo
Today · 4.125%
HK$3,613
baseline
▲ 0.50% · 4.625%
HK$3,832
+HK$219/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,226/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,782
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,883
−HK$103/mo
Today · 4.125%
HK$3,986
baseline
▲ 0.50% · 4.625%
HK$4,196
+HK$210/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,972/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,079
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,206
−HK$129/mo
Today · 4.125%
HK$4,335
baseline
▲ 0.50% · 4.625%
HK$4,599
+HK$264/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$8,670/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,538
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,660
−HK$123/mo
Today · 4.125%
HK$4,783
baseline
▲ 0.50% · 4.625%
HK$5,035
+HK$252/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$9,566/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,759
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$151/mo
Today · 4.125%
HK$5,058
baseline
▲ 0.50% · 4.625%
HK$5,365
+HK$307/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,116/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,294
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$144/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$295/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,160/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,119
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$194/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,898
+HK$395/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$13,006/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,807
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$185/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,350/mo (50% DSR)
Upfront cash ≈ HK$149K (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).