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$3,326
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,429
−HK$105/mo
Today · 4.125%
HK$3,534
baseline
▲ 0.50% · 4.625%
HK$3,749
+HK$215/mo
Deposit HK$729K · loan HK$729K · min. income ≈ HK$7,068/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,700
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,799
−HK$101/mo
Today · 4.125%
HK$3,900
baseline
▲ 0.50% · 4.625%
HK$4,105
+HK$205/mo
Deposit HK$729K · loan HK$729K · min. income ≈ HK$7,800/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,991
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,115
−HK$126/mo
Today · 4.125%
HK$4,241
baseline
▲ 0.50% · 4.625%
HK$4,499
+HK$258/mo
Deposit HK$583K · loan HK$875K · min. income ≈ HK$8,482/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,440
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,559
−HK$121/mo
Today · 4.125%
HK$4,680
baseline
▲ 0.50% · 4.625%
HK$4,927
+HK$247/mo
Deposit HK$583K · loan HK$875K · min. income ≈ HK$9,360/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,656
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,801
−HK$147/mo
Today · 4.125%
HK$4,948
baseline
▲ 0.50% · 4.625%
HK$5,249
+HK$301/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$9,896/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,180
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,319
−HK$141/mo
Today · 4.125%
HK$5,460
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$288/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$10,920/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,987
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$189/mo
Today · 4.125%
HK$6,362
baseline
▲ 0.50% · 4.625%
HK$6,749
+HK$387/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$12,724/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,660
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$181/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$370/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$14,040/mo (50% DSR)
Upfront cash ≈ HK$146K (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).