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$3,416
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,522
−HK$108/mo
Today · 4.125%
HK$3,630
baseline
▲ 0.50% · 4.625%
HK$3,851
+HK$221/mo
Deposit HK$749K · loan HK$749K · min. income ≈ HK$7,260/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,800
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,902
−HK$103/mo
Today · 4.125%
HK$4,005
baseline
▲ 0.50% · 4.625%
HK$4,216
+HK$211/mo
Deposit HK$749K · loan HK$749K · min. income ≈ HK$8,010/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,099
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,226
−HK$130/mo
Today · 4.125%
HK$4,356
baseline
▲ 0.50% · 4.625%
HK$4,621
+HK$265/mo
Deposit HK$599K · loan HK$899K · min. income ≈ HK$8,712/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,560
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,682
−HK$124/mo
Today · 4.125%
HK$4,806
baseline
▲ 0.50% · 4.625%
HK$5,059
+HK$253/mo
Deposit HK$599K · loan HK$899K · min. income ≈ HK$9,612/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,782
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,931
−HK$151/mo
Today · 4.125%
HK$5,082
baseline
▲ 0.50% · 4.625%
HK$5,391
+HK$309/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$10,164/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,320
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,462
−HK$145/mo
Today · 4.125%
HK$5,607
baseline
▲ 0.50% · 4.625%
HK$5,903
+HK$296/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$11,214/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,148
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,339
−HK$195/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,931
+HK$397/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,068/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$6,840
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$186/mo
Today · 4.125%
HK$7,209
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,418/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).