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$3,528
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,638
−HK$112/mo
Today · 4.125%
HK$3,750
baseline
▲ 0.50% · 4.625%
HK$3,978
+HK$228/mo
Deposit HK$774K · loan HK$774K · min. income ≈ HK$7,500/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,925
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,030
−HK$107/mo
Today · 4.125%
HK$4,137
baseline
▲ 0.50% · 4.625%
HK$4,355
+HK$218/mo
Deposit HK$774K · loan HK$774K · min. income ≈ HK$8,274/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,234
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,366
−HK$133/mo
Today · 4.125%
HK$4,499
baseline
▲ 0.50% · 4.625%
HK$4,773
+HK$274/mo
Deposit HK$619K · loan HK$928K · min. income ≈ HK$8,998/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,710
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,837
−HK$128/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,226
+HK$261/mo
Deposit HK$619K · loan HK$928K · min. income ≈ HK$9,930/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,940
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,093
−HK$156/mo
Today · 4.125%
HK$5,249
baseline
▲ 0.50% · 4.625%
HK$5,569
+HK$320/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,498/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,495
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$149/mo
Today · 4.125%
HK$5,792
baseline
▲ 0.50% · 4.625%
HK$6,098
+HK$306/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,584/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,351
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,549
−HK$200/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$411/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,498/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,065
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$192/mo
Today · 4.125%
HK$7,447
baseline
▲ 0.50% · 4.625%
HK$7,840
+HK$393/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,894/mo (50% DSR)
Upfront cash ≈ HK$155K (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).