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$3,352
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,456
−HK$106/mo
Today · 4.125%
HK$3,562
baseline
▲ 0.50% · 4.625%
HK$3,779
+HK$217/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,124/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,729
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,829
−HK$102/mo
Today · 4.125%
HK$3,931
baseline
▲ 0.50% · 4.625%
HK$4,138
+HK$207/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,862/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,023
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,148
−HK$127/mo
Today · 4.125%
HK$4,275
baseline
▲ 0.50% · 4.625%
HK$4,535
+HK$260/mo
Deposit HK$588K · loan HK$882K · min. income ≈ HK$8,550/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,475
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,595
−HK$122/mo
Today · 4.125%
HK$4,717
baseline
▲ 0.50% · 4.625%
HK$4,965
+HK$248/mo
Deposit HK$588K · loan HK$882K · min. income ≈ HK$9,434/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,693
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,839
−HK$148/mo
Today · 4.125%
HK$4,987
baseline
▲ 0.50% · 4.625%
HK$5,291
+HK$304/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$9,974/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,221
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$142/mo
Today · 4.125%
HK$5,503
baseline
▲ 0.50% · 4.625%
HK$5,793
+HK$290/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$11,006/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,034
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,222
−HK$190/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,802
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,824/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,713
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$182/mo
Today · 4.125%
HK$7,075
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,150/mo (50% DSR)
Upfront cash ≈ HK$147K (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).