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$3,339
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,443
−HK$105/mo
Today · 4.125%
HK$3,548
baseline
▲ 0.50% · 4.625%
HK$3,764
+HK$216/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,096/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,714
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,814
−HK$101/mo
Today · 4.125%
HK$3,915
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$206/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,830/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,007
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,131
−HK$127/mo
Today · 4.125%
HK$4,258
baseline
▲ 0.50% · 4.625%
HK$4,517
+HK$259/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$8,516/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$4,457
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,577
−HK$121/mo
Today · 4.125%
HK$4,698
baseline
▲ 0.50% · 4.625%
HK$4,946
+HK$248/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$9,396/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$4,674
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,820
−HK$147/mo
Today · 4.125%
HK$4,967
baseline
▲ 0.50% · 4.625%
HK$5,270
+HK$303/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,934/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,200
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,340
−HK$141/mo
Today · 4.125%
HK$5,481
baseline
▲ 0.50% · 4.625%
HK$5,770
+HK$289/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,962/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,010
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,197
−HK$190/mo
Today · 4.125%
HK$6,387
baseline
▲ 0.50% · 4.625%
HK$6,775
+HK$388/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,774/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$6,686
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,865
−HK$182/mo
Today · 4.125%
HK$7,047
baseline
▲ 0.50% · 4.625%
HK$7,419
+HK$372/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,094/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).