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$3,358
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,463
−HK$106/mo
Today · 4.125%
HK$3,569
baseline
▲ 0.50% · 4.625%
HK$3,786
+HK$217/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,138/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,736
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,836
−HK$102/mo
Today · 4.125%
HK$3,938
baseline
▲ 0.50% · 4.625%
HK$4,145
+HK$207/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,876/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,030
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,155
−HK$127/mo
Today · 4.125%
HK$4,282
baseline
▲ 0.50% · 4.625%
HK$4,543
+HK$261/mo
Deposit HK$589K · loan HK$884K · min. income ≈ HK$8,564/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,483
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,603
−HK$122/mo
Today · 4.125%
HK$4,725
baseline
▲ 0.50% · 4.625%
HK$4,974
+HK$249/mo
Deposit HK$589K · loan HK$884K · min. income ≈ HK$9,450/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,701
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,848
−HK$148/mo
Today · 4.125%
HK$4,996
baseline
▲ 0.50% · 4.625%
HK$5,300
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$9,992/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,230
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,370
−HK$143/mo
Today · 4.125%
HK$5,513
baseline
▲ 0.50% · 4.625%
HK$5,803
+HK$290/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,026/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,045
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$191/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$390/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$12,848/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,724
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$183/mo
Today · 4.125%
HK$7,088
baseline
▲ 0.50% · 4.625%
HK$7,461
+HK$373/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$14,176/mo (50% DSR)
Upfront cash ≈ HK$147K (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).