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$3,258
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,360
−HK$103/mo
Today · 4.125%
HK$3,463
baseline
▲ 0.50% · 4.625%
HK$3,673
+HK$210/mo
Deposit HK$714K · loan HK$714K · min. income ≈ HK$6,926/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,625
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,722
−HK$99/mo
Today · 4.125%
HK$3,821
baseline
▲ 0.50% · 4.625%
HK$4,022
+HK$201/mo
Deposit HK$714K · loan HK$714K · min. income ≈ HK$7,642/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,910
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,032
−HK$123/mo
Today · 4.125%
HK$4,155
baseline
▲ 0.50% · 4.625%
HK$4,408
+HK$253/mo
Deposit HK$572K · loan HK$857K · min. income ≈ HK$8,310/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,350
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,466
−HK$119/mo
Today · 4.125%
HK$4,585
baseline
▲ 0.50% · 4.625%
HK$4,826
+HK$241/mo
Deposit HK$572K · loan HK$857K · min. income ≈ HK$9,170/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,562
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,704
−HK$144/mo
Today · 4.125%
HK$4,848
baseline
▲ 0.50% · 4.625%
HK$5,143
+HK$295/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$9,696/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,075
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,211
−HK$138/mo
Today · 4.125%
HK$5,349
baseline
▲ 0.50% · 4.625%
HK$5,631
+HK$282/mo
Deposit HK$429K · loan HK$1.00M · min. income ≈ HK$10,698/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,865
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,047
−HK$186/mo
Today · 4.125%
HK$6,233
baseline
▲ 0.50% · 4.625%
HK$6,612
+HK$379/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,466/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$6,525
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$177/mo
Today · 4.125%
HK$6,877
baseline
▲ 0.50% · 4.625%
HK$7,240
+HK$363/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,754/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).