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$3,357
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,461
−HK$106/mo
Today · 4.125%
HK$3,567
baseline
▲ 0.50% · 4.625%
HK$3,785
+HK$218/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,134/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,735
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,835
−HK$101/mo
Today · 4.125%
HK$3,936
baseline
▲ 0.50% · 4.625%
HK$4,144
+HK$208/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,872/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,028
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,154
−HK$127/mo
Today · 4.125%
HK$4,281
baseline
▲ 0.50% · 4.625%
HK$4,541
+HK$260/mo
Deposit HK$589K · loan HK$883K · min. income ≈ HK$8,562/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,481
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,602
−HK$122/mo
Today · 4.125%
HK$4,724
baseline
▲ 0.50% · 4.625%
HK$4,973
+HK$249/mo
Deposit HK$589K · loan HK$883K · min. income ≈ HK$9,448/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,700
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,846
−HK$148/mo
Today · 4.125%
HK$4,994
baseline
▲ 0.50% · 4.625%
HK$5,298
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$9,988/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,228
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$142/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$290/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,022/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,042
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,230
−HK$191/mo
Today · 4.125%
HK$6,421
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$391/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,842/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,722
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$183/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$374/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,170/mo (50% DSR)
Upfront cash ≈ HK$147K (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).