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$3,437
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,544
−HK$109/mo
Today · 4.125%
HK$3,653
baseline
▲ 0.50% · 4.625%
HK$3,875
+HK$222/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$7,306/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,824
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,927
−HK$104/mo
Today · 4.125%
HK$4,031
baseline
▲ 0.50% · 4.625%
HK$4,243
+HK$212/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$8,062/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,125
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,253
−HK$130/mo
Today · 4.125%
HK$4,383
baseline
▲ 0.50% · 4.625%
HK$4,650
+HK$267/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$8,766/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,589
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$125/mo
Today · 4.125%
HK$4,837
baseline
▲ 0.50% · 4.625%
HK$5,092
+HK$255/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$9,674/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,812
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,962
−HK$152/mo
Today · 4.125%
HK$5,114
baseline
▲ 0.50% · 4.625%
HK$5,425
+HK$311/mo
Deposit HK$452K · loan HK$1.06M · min. income ≈ HK$10,228/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,354
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,497
−HK$146/mo
Today · 4.125%
HK$5,643
baseline
▲ 0.50% · 4.625%
HK$5,940
+HK$297/mo
Deposit HK$452K · loan HK$1.06M · min. income ≈ HK$11,286/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,187
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,380
−HK$195/mo
Today · 4.125%
HK$6,575
baseline
▲ 0.50% · 4.625%
HK$6,975
+HK$400/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,150/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$6,883
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,068
−HK$187/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,638
+HK$383/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,510/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).