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$3,452
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,559
−HK$110/mo
Today · 4.125%
HK$3,669
baseline
▲ 0.50% · 4.625%
HK$3,892
+HK$223/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$7,338/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,840
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,943
−HK$105/mo
Today · 4.125%
HK$4,048
baseline
▲ 0.50% · 4.625%
HK$4,261
+HK$213/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$8,096/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,142
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,271
−HK$131/mo
Today · 4.125%
HK$4,402
baseline
▲ 0.50% · 4.625%
HK$4,670
+HK$268/mo
Deposit HK$606K · loan HK$908K · min. income ≈ HK$8,804/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$4,608
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,732
−HK$125/mo
Today · 4.125%
HK$4,857
baseline
▲ 0.50% · 4.625%
HK$5,113
+HK$256/mo
Deposit HK$606K · loan HK$908K · min. income ≈ HK$9,714/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$4,833
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$153/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,448
+HK$312/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$10,272/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,377
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,521
−HK$146/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$299/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$11,334/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,214
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$196/mo
Today · 4.125%
HK$6,603
baseline
▲ 0.50% · 4.625%
HK$7,005
+HK$402/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,206/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,913
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$188/mo
Today · 4.125%
HK$7,286
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,572/mo (50% DSR)
Upfront cash ≈ HK$151K (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).