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$3,523
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,633
−HK$111/mo
Today · 4.125%
HK$3,744
baseline
▲ 0.50% · 4.625%
HK$3,972
+HK$228/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$7,488/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,920
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,025
−HK$106/mo
Today · 4.125%
HK$4,131
baseline
▲ 0.50% · 4.625%
HK$4,349
+HK$218/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$8,262/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,228
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,359
−HK$134/mo
Today · 4.125%
HK$4,493
baseline
▲ 0.50% · 4.625%
HK$4,766
+HK$273/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$8,986/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,704
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,830
−HK$128/mo
Today · 4.125%
HK$4,958
baseline
▲ 0.50% · 4.625%
HK$5,219
+HK$261/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$9,916/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,933
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,086
−HK$156/mo
Today · 4.125%
HK$5,242
baseline
▲ 0.50% · 4.625%
HK$5,561
+HK$319/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,484/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,487
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,635
−HK$149/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,089
+HK$305/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,568/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,342
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,539
−HK$201/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,150
+HK$410/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,480/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,055
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$192/mo
Today · 4.125%
HK$7,436
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$392/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,872/mo (50% DSR)
Upfront cash ≈ HK$155K (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).