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$3,496
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,605
−HK$110/mo
Today · 4.125%
HK$3,715
baseline
▲ 0.50% · 4.625%
HK$3,941
+HK$226/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$7,430/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,889
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,994
−HK$105/mo
Today · 4.125%
HK$4,099
baseline
▲ 0.50% · 4.625%
HK$4,316
+HK$217/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$8,198/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,195
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,326
−HK$132/mo
Today · 4.125%
HK$4,458
baseline
▲ 0.50% · 4.625%
HK$4,730
+HK$272/mo
Deposit HK$613K · loan HK$920K · min. income ≈ HK$8,916/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,667
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,792
−HK$127/mo
Today · 4.125%
HK$4,919
baseline
▲ 0.50% · 4.625%
HK$5,179
+HK$260/mo
Deposit HK$613K · loan HK$920K · min. income ≈ HK$9,838/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,895
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,047
−HK$154/mo
Today · 4.125%
HK$5,201
baseline
▲ 0.50% · 4.625%
HK$5,518
+HK$317/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$10,402/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,445
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,591
−HK$148/mo
Today · 4.125%
HK$5,739
baseline
▲ 0.50% · 4.625%
HK$6,042
+HK$303/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$11,478/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,293
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$199/mo
Today · 4.125%
HK$6,688
baseline
▲ 0.50% · 4.625%
HK$7,094
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,376/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,001
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,189
−HK$190/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$389/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,758/mo (50% DSR)
Upfront cash ≈ HK$153K (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).