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$3,482
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,591
−HK$110/mo
Today · 4.125%
HK$3,701
baseline
▲ 0.50% · 4.625%
HK$3,926
+HK$225/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,402/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,874
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,978
−HK$105/mo
Today · 4.125%
HK$4,083
baseline
▲ 0.50% · 4.625%
HK$4,299
+HK$216/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,166/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,179
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,309
−HK$132/mo
Today · 4.125%
HK$4,441
baseline
▲ 0.50% · 4.625%
HK$4,711
+HK$270/mo
Deposit HK$611K · loan HK$916K · min. income ≈ HK$8,882/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,649
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,774
−HK$126/mo
Today · 4.125%
HK$4,900
baseline
▲ 0.50% · 4.625%
HK$5,158
+HK$258/mo
Deposit HK$611K · loan HK$916K · min. income ≈ HK$9,800/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,875
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,027
−HK$154/mo
Today · 4.125%
HK$5,181
baseline
▲ 0.50% · 4.625%
HK$5,496
+HK$315/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,362/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,569
−HK$148/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$301/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,434/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$198/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$406/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$13,322/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,974
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$189/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$388/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$14,700/mo (50% DSR)
Upfront cash ≈ HK$153K (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).