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$3,479
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,587
−HK$110/mo
Today · 4.125%
HK$3,697
baseline
▲ 0.50% · 4.625%
HK$3,922
+HK$225/mo
Deposit HK$763K · loan HK$763K · min. income ≈ HK$7,394/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,870
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,974
−HK$105/mo
Today · 4.125%
HK$4,079
baseline
▲ 0.50% · 4.625%
HK$4,295
+HK$216/mo
Deposit HK$763K · loan HK$763K · min. income ≈ HK$8,158/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,175
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,305
−HK$132/mo
Today · 4.125%
HK$4,437
baseline
▲ 0.50% · 4.625%
HK$4,707
+HK$270/mo
Deposit HK$610K · loan HK$915K · min. income ≈ HK$8,874/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,644
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,769
−HK$126/mo
Today · 4.125%
HK$4,895
baseline
▲ 0.50% · 4.625%
HK$5,153
+HK$258/mo
Deposit HK$610K · loan HK$915K · min. income ≈ HK$9,790/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,871
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,022
−HK$154/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$315/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,352/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$5,419
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$147/mo
Today · 4.125%
HK$5,711
baseline
▲ 0.50% · 4.625%
HK$6,012
+HK$301/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,422/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$6,262
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,457
−HK$198/mo
Today · 4.125%
HK$6,655
baseline
▲ 0.50% · 4.625%
HK$7,060
+HK$405/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$13,310/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$6,967
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$189/mo
Today · 4.125%
HK$7,343
baseline
▲ 0.50% · 4.625%
HK$7,730
+HK$387/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$14,686/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).