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$3,295
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,397
−HK$104/mo
Today · 4.125%
HK$3,501
baseline
▲ 0.50% · 4.625%
HK$3,714
+HK$213/mo
Deposit HK$722K · loan HK$722K · min. income ≈ HK$7,002/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,665
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,764
−HK$99/mo
Today · 4.125%
HK$3,863
baseline
▲ 0.50% · 4.625%
HK$4,067
+HK$204/mo
Deposit HK$722K · loan HK$722K · min. income ≈ HK$7,726/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,954
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,077
−HK$125/mo
Today · 4.125%
HK$4,202
baseline
▲ 0.50% · 4.625%
HK$4,457
+HK$255/mo
Deposit HK$578K · loan HK$867K · min. income ≈ HK$8,404/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,398
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,516
−HK$120/mo
Today · 4.125%
HK$4,636
baseline
▲ 0.50% · 4.625%
HK$4,880
+HK$244/mo
Deposit HK$578K · loan HK$867K · min. income ≈ HK$9,272/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,613
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,756
−HK$146/mo
Today · 4.125%
HK$4,902
baseline
▲ 0.50% · 4.625%
HK$5,200
+HK$298/mo
Deposit HK$433K · loan HK$1.01M · min. income ≈ HK$9,804/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,131
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$140/mo
Today · 4.125%
HK$5,409
baseline
▲ 0.50% · 4.625%
HK$5,694
+HK$285/mo
Deposit HK$433K · loan HK$1.01M · min. income ≈ HK$10,818/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,115
−HK$187/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,686
+HK$384/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$12,604/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,597
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$180/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$366/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$13,908/mo (50% DSR)
Upfront cash ≈ HK$145K (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).