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$3,483
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,591
−HK$110/mo
Today · 4.125%
HK$3,701
baseline
▲ 0.50% · 4.625%
HK$3,926
+HK$225/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,402/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,875
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,978
−HK$106/mo
Today · 4.125%
HK$4,084
baseline
▲ 0.50% · 4.625%
HK$4,299
+HK$215/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,168/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,179
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,309
−HK$132/mo
Today · 4.125%
HK$4,441
baseline
▲ 0.50% · 4.625%
HK$4,712
+HK$271/mo
Deposit HK$611K · loan HK$916K · min. income ≈ HK$8,882/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,649
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,774
−HK$127/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,159
+HK$258/mo
Deposit HK$611K · loan HK$916K · min. income ≈ HK$9,802/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,028
−HK$154/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,497
+HK$315/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,364/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$147/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,019
+HK$302/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,434/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,269
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,464
−HK$198/mo
Today · 4.125%
HK$6,662
baseline
▲ 0.50% · 4.625%
HK$7,068
+HK$406/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$13,324/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,974
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$190/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$387/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$14,702/mo (50% DSR)
Upfront cash ≈ HK$153K (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).