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$3,442
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,549
−HK$109/mo
Today · 4.125%
HK$3,658
baseline
▲ 0.50% · 4.625%
HK$3,881
+HK$223/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$7,316/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,829
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,932
−HK$104/mo
Today · 4.125%
HK$4,036
baseline
▲ 0.50% · 4.625%
HK$4,249
+HK$213/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$8,072/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,131
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,259
−HK$131/mo
Today · 4.125%
HK$4,390
baseline
▲ 0.50% · 4.625%
HK$4,657
+HK$267/mo
Deposit HK$604K · loan HK$906K · min. income ≈ HK$8,780/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,595
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,718
−HK$125/mo
Today · 4.125%
HK$4,843
baseline
▲ 0.50% · 4.625%
HK$5,099
+HK$256/mo
Deposit HK$604K · loan HK$906K · min. income ≈ HK$9,686/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,819
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,969
−HK$152/mo
Today · 4.125%
HK$5,121
baseline
▲ 0.50% · 4.625%
HK$5,433
+HK$312/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$10,242/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,361
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,505
−HK$146/mo
Today · 4.125%
HK$5,651
baseline
▲ 0.50% · 4.625%
HK$5,949
+HK$298/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$11,302/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,196
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$195/mo
Today · 4.125%
HK$6,584
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,168/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$6,893
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$187/mo
Today · 4.125%
HK$7,265
baseline
▲ 0.50% · 4.625%
HK$7,648
+HK$383/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,530/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).