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$3,422
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,528
−HK$108/mo
Today · 4.125%
HK$3,636
baseline
▲ 0.50% · 4.625%
HK$3,858
+HK$222/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$7,272/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$3,807
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,909
−HK$103/mo
Today · 4.125%
HK$4,012
baseline
▲ 0.50% · 4.625%
HK$4,224
+HK$212/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$8,024/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$4,106
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,234
−HK$130/mo
Today · 4.125%
HK$4,364
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$265/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$8,728/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$4,568
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,690
−HK$125/mo
Today · 4.125%
HK$4,815
baseline
▲ 0.50% · 4.625%
HK$5,069
+HK$254/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$9,630/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$4,790
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,939
−HK$152/mo
Today · 4.125%
HK$5,091
baseline
▲ 0.50% · 4.625%
HK$5,401
+HK$310/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$10,182/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$5,329
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$145/mo
Today · 4.125%
HK$5,617
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$296/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$11,234/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$6,159
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,351
−HK$194/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$399/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,090/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$6,852
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,036
−HK$186/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,603
+HK$381/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,444/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).