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$3,488
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,597
−HK$110/mo
Today · 4.125%
HK$3,707
baseline
▲ 0.50% · 4.625%
HK$3,932
+HK$225/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$7,414/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,880
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,985
−HK$105/mo
Today · 4.125%
HK$4,090
baseline
▲ 0.50% · 4.625%
HK$4,306
+HK$216/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$8,180/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,186
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,316
−HK$132/mo
Today · 4.125%
HK$4,448
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$271/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$8,896/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,657
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$127/mo
Today · 4.125%
HK$4,908
baseline
▲ 0.50% · 4.625%
HK$5,167
+HK$259/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$9,816/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,883
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,035
−HK$155/mo
Today · 4.125%
HK$5,190
baseline
▲ 0.50% · 4.625%
HK$5,505
+HK$315/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,380/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,433
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,578
−HK$148/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,028
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,452/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,279
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,474
−HK$198/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,344/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$6,985
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$190/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,750
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,724/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).