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$3,487
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,595
−HK$111/mo
Today · 4.125%
HK$3,706
baseline
▲ 0.50% · 4.625%
HK$3,931
+HK$225/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$7,412/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$3,879
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,983
−HK$106/mo
Today · 4.125%
HK$4,089
baseline
▲ 0.50% · 4.625%
HK$4,304
+HK$215/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$8,178/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$4,184
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,315
−HK$132/mo
Today · 4.125%
HK$4,447
baseline
▲ 0.50% · 4.625%
HK$4,717
+HK$270/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$8,894/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$4,655
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,780
−HK$127/mo
Today · 4.125%
HK$4,907
baseline
▲ 0.50% · 4.625%
HK$5,165
+HK$258/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$9,814/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$4,882
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$154/mo
Today · 4.125%
HK$5,188
baseline
▲ 0.50% · 4.625%
HK$5,504
+HK$316/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,376/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$5,431
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,577
−HK$147/mo
Today · 4.125%
HK$5,724
baseline
▲ 0.50% · 4.625%
HK$6,026
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,448/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$6,277
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,472
−HK$198/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,340/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$6,983
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,170
−HK$190/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,720/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).