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$3,520
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,629
−HK$111/mo
Today · 4.125%
HK$3,740
baseline
▲ 0.50% · 4.625%
HK$3,968
+HK$228/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$7,480/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,916
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$106/mo
Today · 4.125%
HK$4,127
baseline
▲ 0.50% · 4.625%
HK$4,345
+HK$218/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$8,254/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,224
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,355
−HK$133/mo
Today · 4.125%
HK$4,488
baseline
▲ 0.50% · 4.625%
HK$4,762
+HK$274/mo
Deposit HK$617K · loan HK$926K · min. income ≈ HK$8,976/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,699
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,825
−HK$128/mo
Today · 4.125%
HK$4,953
baseline
▲ 0.50% · 4.625%
HK$5,214
+HK$261/mo
Deposit HK$617K · loan HK$926K · min. income ≈ HK$9,906/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,928
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$156/mo
Today · 4.125%
HK$5,237
baseline
▲ 0.50% · 4.625%
HK$5,555
+HK$318/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,474/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,482
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$149/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,083
+HK$305/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,556/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,335
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,532
−HK$201/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$409/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,466/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,048
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$192/mo
Today · 4.125%
HK$7,429
baseline
▲ 0.50% · 4.625%
HK$7,820
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,858/mo (50% DSR)
Upfront cash ≈ HK$154K (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).