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$3,259
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,360
−HK$103/mo
Today · 4.125%
HK$3,463
baseline
▲ 0.50% · 4.625%
HK$3,674
+HK$211/mo
Deposit HK$715K · loan HK$715K · min. income ≈ HK$6,926/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,626
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,723
−HK$99/mo
Today · 4.125%
HK$3,822
baseline
▲ 0.50% · 4.625%
HK$4,023
+HK$201/mo
Deposit HK$715K · loan HK$715K · min. income ≈ HK$7,644/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,911
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,033
−HK$123/mo
Today · 4.125%
HK$4,156
baseline
▲ 0.50% · 4.625%
HK$4,409
+HK$253/mo
Deposit HK$572K · loan HK$858K · min. income ≈ HK$8,312/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,351
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,467
−HK$119/mo
Today · 4.125%
HK$4,586
baseline
▲ 0.50% · 4.625%
HK$4,828
+HK$242/mo
Deposit HK$572K · loan HK$858K · min. income ≈ HK$9,172/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,563
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,705
−HK$144/mo
Today · 4.125%
HK$4,849
baseline
▲ 0.50% · 4.625%
HK$5,144
+HK$295/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$9,698/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,076
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,212
−HK$138/mo
Today · 4.125%
HK$5,350
baseline
▲ 0.50% · 4.625%
HK$5,632
+HK$282/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$10,700/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,866
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,049
−HK$185/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,614
+HK$380/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,468/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,526
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$178/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,241
+HK$362/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,758/mo (50% DSR)
Upfront cash ≈ HK$143K (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).