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$3,404
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,510
−HK$107/mo
Today · 4.125%
HK$3,617
baseline
▲ 0.50% · 4.625%
HK$3,837
+HK$220/mo
Deposit HK$746K · loan HK$746K · min. income ≈ HK$7,234/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,787
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,888
−HK$103/mo
Today · 4.125%
HK$3,991
baseline
▲ 0.50% · 4.625%
HK$4,202
+HK$211/mo
Deposit HK$746K · loan HK$746K · min. income ≈ HK$7,982/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,085
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,212
−HK$129/mo
Today · 4.125%
HK$4,341
baseline
▲ 0.50% · 4.625%
HK$4,605
+HK$264/mo
Deposit HK$597K · loan HK$896K · min. income ≈ HK$8,682/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,544
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,666
−HK$124/mo
Today · 4.125%
HK$4,790
baseline
▲ 0.50% · 4.625%
HK$5,042
+HK$252/mo
Deposit HK$597K · loan HK$896K · min. income ≈ HK$9,580/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$150/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,372
+HK$308/mo
Deposit HK$448K · loan HK$1.04M · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,302
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,444
−HK$144/mo
Today · 4.125%
HK$5,588
baseline
▲ 0.50% · 4.625%
HK$5,883
+HK$295/mo
Deposit HK$448K · loan HK$1.04M · min. income ≈ HK$11,176/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,127
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$193/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,907
+HK$396/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$13,022/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,816
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,999
−HK$186/mo
Today · 4.125%
HK$7,185
baseline
▲ 0.50% · 4.625%
HK$7,563
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,370/mo (50% DSR)
Upfront cash ≈ HK$149K (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).