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$3,435
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,542
−HK$108/mo
Today · 4.125%
HK$3,650
baseline
▲ 0.50% · 4.625%
HK$3,872
+HK$222/mo
Deposit HK$753K · loan HK$753K · min. income ≈ HK$7,300/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,821
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,924
−HK$104/mo
Today · 4.125%
HK$4,028
baseline
▲ 0.50% · 4.625%
HK$4,240
+HK$212/mo
Deposit HK$753K · loan HK$753K · min. income ≈ HK$8,056/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,122
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,250
−HK$130/mo
Today · 4.125%
HK$4,380
baseline
▲ 0.50% · 4.625%
HK$4,647
+HK$267/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$8,760/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,585
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,708
−HK$125/mo
Today · 4.125%
HK$4,833
baseline
▲ 0.50% · 4.625%
HK$5,088
+HK$255/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$9,666/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,809
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,958
−HK$152/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,421
+HK$311/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$10,220/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,350
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$146/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,936
+HK$297/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$11,278/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,183
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$195/mo
Today · 4.125%
HK$6,570
baseline
▲ 0.50% · 4.625%
HK$6,970
+HK$400/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,140/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,878
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$187/mo
Today · 4.125%
HK$7,250
baseline
▲ 0.50% · 4.625%
HK$7,632
+HK$382/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,500/mo (50% DSR)
Upfront cash ≈ HK$151K (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).