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$3,356
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,460
−HK$106/mo
Today · 4.125%
HK$3,566
baseline
▲ 0.50% · 4.625%
HK$3,783
+HK$217/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,132/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,734
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,834
−HK$101/mo
Today · 4.125%
HK$3,935
baseline
▲ 0.50% · 4.625%
HK$4,143
+HK$208/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,870/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,027
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,152
−HK$128/mo
Today · 4.125%
HK$4,280
baseline
▲ 0.50% · 4.625%
HK$4,540
+HK$260/mo
Deposit HK$589K · loan HK$883K · min. income ≈ HK$8,560/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,480
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,600
−HK$122/mo
Today · 4.125%
HK$4,722
baseline
▲ 0.50% · 4.625%
HK$4,971
+HK$249/mo
Deposit HK$589K · loan HK$883K · min. income ≈ HK$9,444/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,698
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,845
−HK$148/mo
Today · 4.125%
HK$4,993
baseline
▲ 0.50% · 4.625%
HK$5,297
+HK$304/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$9,986/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,227
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,367
−HK$142/mo
Today · 4.125%
HK$5,509
baseline
▲ 0.50% · 4.625%
HK$5,800
+HK$291/mo
Deposit HK$442K · loan HK$1.03M · min. income ≈ HK$11,018/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,041
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$191/mo
Today · 4.125%
HK$6,420
baseline
▲ 0.50% · 4.625%
HK$6,810
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,840/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,720
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$182/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$374/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,166/mo (50% DSR)
Upfront cash ≈ HK$147K (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).