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$3,264
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,366
−HK$103/mo
Today · 4.125%
HK$3,469
baseline
▲ 0.50% · 4.625%
HK$3,680
+HK$211/mo
Deposit HK$716K · loan HK$716K · min. income ≈ HK$6,938/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,631
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,729
−HK$98/mo
Today · 4.125%
HK$3,827
baseline
▲ 0.50% · 4.625%
HK$4,029
+HK$202/mo
Deposit HK$716K · loan HK$716K · min. income ≈ HK$7,654/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,917
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,039
−HK$123/mo
Today · 4.125%
HK$4,162
baseline
▲ 0.50% · 4.625%
HK$4,416
+HK$254/mo
Deposit HK$573K · loan HK$859K · min. income ≈ HK$8,324/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,357
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,474
−HK$119/mo
Today · 4.125%
HK$4,593
baseline
▲ 0.50% · 4.625%
HK$4,835
+HK$242/mo
Deposit HK$573K · loan HK$859K · min. income ≈ HK$9,186/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,570
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$144/mo
Today · 4.125%
HK$4,856
baseline
▲ 0.50% · 4.625%
HK$5,152
+HK$296/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$9,712/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,084
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,220
−HK$138/mo
Today · 4.125%
HK$5,358
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$283/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$10,716/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,875
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$186/mo
Today · 4.125%
HK$6,244
baseline
▲ 0.50% · 4.625%
HK$6,624
+HK$380/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,488/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,536
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,712
−HK$177/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,252
+HK$363/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,778/mo (50% DSR)
Upfront cash ≈ HK$143K (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).