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$3,348
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,452
−HK$106/mo
Today · 4.125%
HK$3,558
baseline
▲ 0.50% · 4.625%
HK$3,775
+HK$217/mo
Deposit HK$734K · loan HK$734K · min. income ≈ HK$7,116/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,725
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,825
−HK$101/mo
Today · 4.125%
HK$3,926
baseline
▲ 0.50% · 4.625%
HK$4,133
+HK$207/mo
Deposit HK$734K · loan HK$734K · min. income ≈ HK$7,852/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,018
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,143
−HK$127/mo
Today · 4.125%
HK$4,270
baseline
▲ 0.50% · 4.625%
HK$4,530
+HK$260/mo
Deposit HK$587K · loan HK$881K · min. income ≈ HK$8,540/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,470
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,590
−HK$121/mo
Today · 4.125%
HK$4,711
baseline
▲ 0.50% · 4.625%
HK$4,960
+HK$249/mo
Deposit HK$587K · loan HK$881K · min. income ≈ HK$9,422/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,688
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,833
−HK$149/mo
Today · 4.125%
HK$4,982
baseline
▲ 0.50% · 4.625%
HK$5,285
+HK$303/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$9,964/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,215
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$142/mo
Today · 4.125%
HK$5,497
baseline
▲ 0.50% · 4.625%
HK$5,786
+HK$289/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$10,994/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,027
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$191/mo
Today · 4.125%
HK$6,405
baseline
▲ 0.50% · 4.625%
HK$6,795
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,810/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,705
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,885
−HK$182/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,440
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,134/mo (50% DSR)
Upfront cash ≈ HK$147K (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).