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$3,370
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,475
−HK$106/mo
Today · 4.125%
HK$3,581
baseline
▲ 0.50% · 4.625%
HK$3,799
+HK$218/mo
Deposit HK$739K · loan HK$739K · min. income ≈ HK$7,162/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$3,749
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,850
−HK$102/mo
Today · 4.125%
HK$3,952
baseline
▲ 0.50% · 4.625%
HK$4,160
+HK$208/mo
Deposit HK$739K · loan HK$739K · min. income ≈ HK$7,904/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$4,044
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,170
−HK$128/mo
Today · 4.125%
HK$4,298
baseline
▲ 0.50% · 4.625%
HK$4,559
+HK$261/mo
Deposit HK$591K · loan HK$887K · min. income ≈ HK$8,596/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$4,499
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,620
−HK$122/mo
Today · 4.125%
HK$4,742
baseline
▲ 0.50% · 4.625%
HK$4,992
+HK$250/mo
Deposit HK$591K · loan HK$887K · min. income ≈ HK$9,484/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$4,718
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,865
−HK$149/mo
Today · 4.125%
HK$5,014
baseline
▲ 0.50% · 4.625%
HK$5,319
+HK$305/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,028/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$5,249
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,389
−HK$143/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,824
+HK$292/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,064/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$6,066
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$191/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$393/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,892/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$6,748
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$184/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$375/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,226/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).