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$3,363
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,468
−HK$106/mo
Today · 4.125%
HK$3,574
baseline
▲ 0.50% · 4.625%
HK$3,791
+HK$217/mo
Deposit HK$737K · loan HK$737K · min. income ≈ HK$7,148/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$3,741
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,842
−HK$102/mo
Today · 4.125%
HK$3,944
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$207/mo
Deposit HK$737K · loan HK$737K · 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$4,036
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,161
−HK$128/mo
Today · 4.125%
HK$4,289
baseline
▲ 0.50% · 4.625%
HK$4,550
+HK$261/mo
Deposit HK$590K · loan HK$885K · min. income ≈ HK$8,578/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$4,490
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,610
−HK$122/mo
Today · 4.125%
HK$4,732
baseline
▲ 0.50% · 4.625%
HK$4,982
+HK$250/mo
Deposit HK$590K · loan HK$885K · min. income ≈ HK$9,464/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$4,708
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,855
−HK$149/mo
Today · 4.125%
HK$5,004
baseline
▲ 0.50% · 4.625%
HK$5,308
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$10,008/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$5,238
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,378
−HK$143/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,812
+HK$291/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,042/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$6,054
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,242
−HK$191/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$392/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$12,866/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$6,735
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,915
−HK$183/mo
Today · 4.125%
HK$7,098
baseline
▲ 0.50% · 4.625%
HK$7,473
+HK$375/mo
Deposit HK$147K · loan HK$1.33M · min. income ≈ HK$14,196/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).