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$3,436
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,543
−HK$109/mo
Today · 4.125%
HK$3,652
baseline
▲ 0.50% · 4.625%
HK$3,874
+HK$222/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$7,304/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,823
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,925
−HK$104/mo
Today · 4.125%
HK$4,029
baseline
▲ 0.50% · 4.625%
HK$4,242
+HK$213/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$8,058/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,124
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,252
−HK$130/mo
Today · 4.125%
HK$4,382
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$267/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$8,764/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,588
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$124/mo
Today · 4.125%
HK$4,835
baseline
▲ 0.50% · 4.625%
HK$5,090
+HK$255/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$9,670/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,811
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,961
−HK$152/mo
Today · 4.125%
HK$5,113
baseline
▲ 0.50% · 4.625%
HK$5,424
+HK$311/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$10,226/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,352
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,496
−HK$145/mo
Today · 4.125%
HK$5,641
baseline
▲ 0.50% · 4.625%
HK$5,939
+HK$298/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$11,282/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,186
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,378
−HK$195/mo
Today · 4.125%
HK$6,573
baseline
▲ 0.50% · 4.625%
HK$6,973
+HK$400/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,146/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$6,881
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$187/mo
Today · 4.125%
HK$7,253
baseline
▲ 0.50% · 4.625%
HK$7,635
+HK$382/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,506/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).