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$3,478
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,586
−HK$110/mo
Today · 4.125%
HK$3,696
baseline
▲ 0.50% · 4.625%
HK$3,921
+HK$225/mo
Deposit HK$763K · loan HK$763K · min. income ≈ HK$7,392/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,869
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,973
−HK$105/mo
Today · 4.125%
HK$4,078
baseline
▲ 0.50% · 4.625%
HK$4,293
+HK$215/mo
Deposit HK$763K · loan HK$763K · min. income ≈ HK$8,156/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,174
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,303
−HK$132/mo
Today · 4.125%
HK$4,435
baseline
▲ 0.50% · 4.625%
HK$4,705
+HK$270/mo
Deposit HK$610K · loan HK$915K · min. income ≈ HK$8,870/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,643
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,768
−HK$126/mo
Today · 4.125%
HK$4,894
baseline
▲ 0.50% · 4.625%
HK$5,152
+HK$258/mo
Deposit HK$610K · loan HK$915K · min. income ≈ HK$9,788/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,869
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,021
−HK$153/mo
Today · 4.125%
HK$5,174
baseline
▲ 0.50% · 4.625%
HK$5,489
+HK$315/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,348/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,417
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,562
−HK$148/mo
Today · 4.125%
HK$5,710
baseline
▲ 0.50% · 4.625%
HK$6,010
+HK$300/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,420/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,260
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,455
−HK$198/mo
Today · 4.125%
HK$6,653
baseline
▲ 0.50% · 4.625%
HK$7,058
+HK$405/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$13,306/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$6,965
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,151
−HK$190/mo
Today · 4.125%
HK$7,341
baseline
▲ 0.50% · 4.625%
HK$7,728
+HK$387/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$14,682/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).