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$3,364
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,468
−HK$107/mo
Today · 4.125%
HK$3,575
baseline
▲ 0.50% · 4.625%
HK$3,792
+HK$217/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,150/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,742
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,843
−HK$101/mo
Today · 4.125%
HK$3,944
baseline
▲ 0.50% · 4.625%
HK$4,152
+HK$208/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,888/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,037
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,162
−HK$128/mo
Today · 4.125%
HK$4,290
baseline
▲ 0.50% · 4.625%
HK$4,551
+HK$261/mo
Deposit HK$590K · loan HK$885K · min. income ≈ HK$8,580/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,491
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,611
−HK$122/mo
Today · 4.125%
HK$4,733
baseline
▲ 0.50% · 4.625%
HK$4,983
+HK$250/mo
Deposit HK$590K · loan HK$885K · min. income ≈ HK$9,466/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,709
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,856
−HK$149/mo
Today · 4.125%
HK$5,005
baseline
▲ 0.50% · 4.625%
HK$5,309
+HK$304/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,010/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,239
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,380
−HK$142/mo
Today · 4.125%
HK$5,522
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$291/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,044/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,055
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,243
−HK$192/mo
Today · 4.125%
HK$6,435
baseline
▲ 0.50% · 4.625%
HK$6,826
+HK$391/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,870/mo (50% DSR)
Upfront cash ≈ HK$148K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,736
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,917
−HK$183/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$374/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,200/mo (50% DSR)
Upfront cash ≈ HK$148K (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).