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$3,340
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,444
−HK$106/mo
Today · 4.125%
HK$3,550
baseline
▲ 0.50% · 4.625%
HK$3,766
+HK$216/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,100/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,716
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,816
−HK$101/mo
Today · 4.125%
HK$3,917
baseline
▲ 0.50% · 4.625%
HK$4,123
+HK$206/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,834/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,008
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,133
−HK$127/mo
Today · 4.125%
HK$4,260
baseline
▲ 0.50% · 4.625%
HK$4,519
+HK$259/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$8,520/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,459
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,579
−HK$121/mo
Today · 4.125%
HK$4,700
baseline
▲ 0.50% · 4.625%
HK$4,948
+HK$248/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$9,400/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,676
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,822
−HK$148/mo
Today · 4.125%
HK$4,970
baseline
▲ 0.50% · 4.625%
HK$5,272
+HK$302/mo
Deposit HK$439K · loan HK$1.03M · min. income ≈ HK$9,940/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,202
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,342
−HK$141/mo
Today · 4.125%
HK$5,483
baseline
▲ 0.50% · 4.625%
HK$5,773
+HK$290/mo
Deposit HK$439K · loan HK$1.03M · min. income ≈ HK$10,966/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,012
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$190/mo
Today · 4.125%
HK$6,389
baseline
▲ 0.50% · 4.625%
HK$6,778
+HK$389/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,778/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$6,689
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,868
−HK$182/mo
Today · 4.125%
HK$7,050
baseline
▲ 0.50% · 4.625%
HK$7,422
+HK$372/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,100/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).