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$3,419
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,526
−HK$108/mo
Today · 4.125%
HK$3,634
baseline
▲ 0.50% · 4.625%
HK$3,855
+HK$221/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$7,268/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,804
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,906
−HK$103/mo
Today · 4.125%
HK$4,009
baseline
▲ 0.50% · 4.625%
HK$4,221
+HK$212/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$8,018/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,103
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,231
−HK$129/mo
Today · 4.125%
HK$4,360
baseline
▲ 0.50% · 4.625%
HK$4,626
+HK$266/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$8,720/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,565
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,687
−HK$124/mo
Today · 4.125%
HK$4,811
baseline
▲ 0.50% · 4.625%
HK$5,065
+HK$254/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$9,622/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,787
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,936
−HK$151/mo
Today · 4.125%
HK$5,087
baseline
▲ 0.50% · 4.625%
HK$5,397
+HK$310/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$10,174/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,326
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$145/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,909
+HK$296/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$11,226/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,155
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$195/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,939
+HK$398/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,082/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,847
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$186/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,597
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,434/mo (50% DSR)
Upfront cash ≈ HK$150K (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).