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$3,377
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,482
−HK$107/mo
Today · 4.125%
HK$3,589
baseline
▲ 0.50% · 4.625%
HK$3,807
+HK$218/mo
Deposit HK$741K · loan HK$741K · min. income ≈ HK$7,178/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,757
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,858
−HK$102/mo
Today · 4.125%
HK$3,960
baseline
▲ 0.50% · 4.625%
HK$4,169
+HK$209/mo
Deposit HK$741K · loan HK$741K · min. income ≈ HK$7,920/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,052
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,179
−HK$128/mo
Today · 4.125%
HK$4,307
baseline
▲ 0.50% · 4.625%
HK$4,569
+HK$262/mo
Deposit HK$592K · loan HK$889K · min. income ≈ HK$8,614/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,508
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,629
−HK$123/mo
Today · 4.125%
HK$4,752
baseline
▲ 0.50% · 4.625%
HK$5,002
+HK$250/mo
Deposit HK$592K · loan HK$889K · min. income ≈ HK$9,504/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,728
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,875
−HK$149/mo
Today · 4.125%
HK$5,024
baseline
▲ 0.50% · 4.625%
HK$5,330
+HK$306/mo
Deposit HK$444K · loan HK$1.04M · min. income ≈ HK$10,048/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,260
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,401
−HK$143/mo
Today · 4.125%
HK$5,544
baseline
▲ 0.50% · 4.625%
HK$5,836
+HK$292/mo
Deposit HK$444K · loan HK$1.04M · min. income ≈ HK$11,088/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,079
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,268
−HK$192/mo
Today · 4.125%
HK$6,460
baseline
▲ 0.50% · 4.625%
HK$6,853
+HK$393/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,920/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$6,763
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$184/mo
Today · 4.125%
HK$7,128
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$376/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,256/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).