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$3,367
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,472
−HK$107/mo
Today · 4.125%
HK$3,579
baseline
▲ 0.50% · 4.625%
HK$3,796
+HK$217/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,158/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,746
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,847
−HK$102/mo
Today · 4.125%
HK$3,949
baseline
▲ 0.50% · 4.625%
HK$4,157
+HK$208/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,898/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,041
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$127/mo
Today · 4.125%
HK$4,294
baseline
▲ 0.50% · 4.625%
HK$4,556
+HK$262/mo
Deposit HK$591K · loan HK$886K · min. income ≈ HK$8,588/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,496
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,616
−HK$122/mo
Today · 4.125%
HK$4,738
baseline
▲ 0.50% · 4.625%
HK$4,988
+HK$250/mo
Deposit HK$591K · loan HK$886K · min. income ≈ HK$9,476/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,714
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,861
−HK$149/mo
Today · 4.125%
HK$5,010
baseline
▲ 0.50% · 4.625%
HK$5,315
+HK$305/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,020/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,245
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,385
−HK$143/mo
Today · 4.125%
HK$5,528
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$292/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,056/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,061
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,250
−HK$192/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$392/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,884/mo (50% DSR)
Upfront cash ≈ HK$148K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,743
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$184/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$374/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$148K (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).