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$3,421
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,527
−HK$108/mo
Today · 4.125%
HK$3,635
baseline
▲ 0.50% · 4.625%
HK$3,857
+HK$222/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$7,270/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,806
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,908
−HK$103/mo
Today · 4.125%
HK$4,011
baseline
▲ 0.50% · 4.625%
HK$4,223
+HK$212/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$8,022/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,105
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,233
−HK$129/mo
Today · 4.125%
HK$4,362
baseline
▲ 0.50% · 4.625%
HK$4,628
+HK$266/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$8,724/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,567
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,689
−HK$125/mo
Today · 4.125%
HK$4,814
baseline
▲ 0.50% · 4.625%
HK$5,067
+HK$253/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$9,628/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,789
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,938
−HK$152/mo
Today · 4.125%
HK$5,090
baseline
▲ 0.50% · 4.625%
HK$5,399
+HK$309/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$10,180/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,328
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,471
−HK$145/mo
Today · 4.125%
HK$5,616
baseline
▲ 0.50% · 4.625%
HK$5,912
+HK$296/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$11,232/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,158
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,349
−HK$195/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,942
+HK$398/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,088/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,850
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,034
−HK$186/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,601
+HK$381/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,440/mo (50% DSR)
Upfront cash ≈ HK$150K (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).