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$3,412
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,518
−HK$108/mo
Today · 4.125%
HK$3,626
baseline
▲ 0.50% · 4.625%
HK$3,847
+HK$221/mo
Deposit HK$748K · loan HK$748K · min. income ≈ HK$7,252/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,796
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,898
−HK$103/mo
Today · 4.125%
HK$4,001
baseline
▲ 0.50% · 4.625%
HK$4,212
+HK$211/mo
Deposit HK$748K · loan HK$748K · min. income ≈ HK$8,002/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,095
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,222
−HK$130/mo
Today · 4.125%
HK$4,352
baseline
▲ 0.50% · 4.625%
HK$4,616
+HK$264/mo
Deposit HK$599K · loan HK$898K · min. income ≈ HK$8,704/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,555
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,678
−HK$123/mo
Today · 4.125%
HK$4,801
baseline
▲ 0.50% · 4.625%
HK$5,055
+HK$254/mo
Deposit HK$599K · loan HK$898K · min. income ≈ HK$9,602/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,777
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,926
−HK$151/mo
Today · 4.125%
HK$5,077
baseline
▲ 0.50% · 4.625%
HK$5,386
+HK$309/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$10,154/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,315
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$145/mo
Today · 4.125%
HK$5,602
baseline
▲ 0.50% · 4.625%
HK$5,897
+HK$295/mo
Deposit HK$449K · loan HK$1.05M · min. income ≈ HK$11,204/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,142
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,333
−HK$194/mo
Today · 4.125%
HK$6,527
baseline
▲ 0.50% · 4.625%
HK$6,924
+HK$397/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,054/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,833
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$186/mo
Today · 4.125%
HK$7,202
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,404/mo (50% DSR)
Upfront cash ≈ HK$150K (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).