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$3,461
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,569
−HK$109/mo
Today · 4.125%
HK$3,678
baseline
▲ 0.50% · 4.625%
HK$3,902
+HK$224/mo
Deposit HK$759K · loan HK$759K · min. income ≈ HK$7,356/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,851
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,954
−HK$105/mo
Today · 4.125%
HK$4,059
baseline
▲ 0.50% · 4.625%
HK$4,273
+HK$214/mo
Deposit HK$759K · loan HK$759K · min. income ≈ HK$8,118/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,154
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,283
−HK$131/mo
Today · 4.125%
HK$4,414
baseline
▲ 0.50% · 4.625%
HK$4,683
+HK$269/mo
Deposit HK$607K · loan HK$911K · min. income ≈ HK$8,828/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,621
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,745
−HK$126/mo
Today · 4.125%
HK$4,871
baseline
▲ 0.50% · 4.625%
HK$5,127
+HK$256/mo
Deposit HK$607K · loan HK$911K · min. income ≈ HK$9,742/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,846
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,997
−HK$153/mo
Today · 4.125%
HK$5,150
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$313/mo
Deposit HK$455K · loan HK$1.06M · min. income ≈ HK$10,300/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,391
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,536
−HK$146/mo
Today · 4.125%
HK$5,682
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$300/mo
Deposit HK$455K · loan HK$1.06M · min. income ≈ HK$11,364/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,231
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$197/mo
Today · 4.125%
HK$6,621
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$403/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,242/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$6,931
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$189/mo
Today · 4.125%
HK$7,306
baseline
▲ 0.50% · 4.625%
HK$7,691
+HK$385/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,612/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).