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$3,319
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,422
−HK$105/mo
Today · 4.125%
HK$3,527
baseline
▲ 0.50% · 4.625%
HK$3,742
+HK$215/mo
Deposit HK$728K · loan HK$728K · min. income ≈ HK$7,054/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,693
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,792
−HK$100/mo
Today · 4.125%
HK$3,892
baseline
▲ 0.50% · 4.625%
HK$4,097
+HK$205/mo
Deposit HK$728K · loan HK$728K · min. income ≈ HK$7,784/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,983
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,107
−HK$126/mo
Today · 4.125%
HK$4,233
baseline
▲ 0.50% · 4.625%
HK$4,490
+HK$257/mo
Deposit HK$582K · loan HK$873K · min. income ≈ HK$8,466/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,431
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,550
−HK$120/mo
Today · 4.125%
HK$4,670
baseline
▲ 0.50% · 4.625%
HK$4,917
+HK$247/mo
Deposit HK$582K · loan HK$873K · min. income ≈ HK$9,340/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,647
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,791
−HK$147/mo
Today · 4.125%
HK$4,938
baseline
▲ 0.50% · 4.625%
HK$5,239
+HK$301/mo
Deposit HK$437K · loan HK$1.02M · min. income ≈ HK$9,876/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,170
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,308
−HK$141/mo
Today · 4.125%
HK$5,449
baseline
▲ 0.50% · 4.625%
HK$5,736
+HK$287/mo
Deposit HK$437K · loan HK$1.02M · min. income ≈ HK$10,898/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,975
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$189/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,736
+HK$387/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$12,698/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,647
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,825
−HK$181/mo
Today · 4.125%
HK$7,006
baseline
▲ 0.50% · 4.625%
HK$7,375
+HK$369/mo
Deposit HK$146K · loan HK$1.31M · min. income ≈ HK$14,012/mo (50% DSR)
Upfront cash ≈ HK$146K (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).