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$3,430
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,536
−HK$109/mo
Today · 4.125%
HK$3,645
baseline
▲ 0.50% · 4.625%
HK$3,866
+HK$221/mo
Deposit HK$752K · loan HK$752K · min. income ≈ HK$7,290/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,815
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,918
−HK$103/mo
Today · 4.125%
HK$4,021
baseline
▲ 0.50% · 4.625%
HK$4,233
+HK$212/mo
Deposit HK$752K · loan HK$752K · min. income ≈ HK$8,042/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,115
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,243
−HK$131/mo
Today · 4.125%
HK$4,374
baseline
▲ 0.50% · 4.625%
HK$4,640
+HK$266/mo
Deposit HK$602K · loan HK$902K · min. income ≈ HK$8,748/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,578
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,701
−HK$125/mo
Today · 4.125%
HK$4,826
baseline
▲ 0.50% · 4.625%
HK$5,080
+HK$254/mo
Deposit HK$602K · loan HK$902K · min. income ≈ HK$9,652/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,801
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,951
−HK$151/mo
Today · 4.125%
HK$5,102
baseline
▲ 0.50% · 4.625%
HK$5,413
+HK$311/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$10,204/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,341
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,485
−HK$145/mo
Today · 4.125%
HK$5,630
baseline
▲ 0.50% · 4.625%
HK$5,927
+HK$297/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$11,260/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,173
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$195/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$399/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,120/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$6,868
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$187/mo
Today · 4.125%
HK$7,239
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$381/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,478/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).