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$3,342
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,446
−HK$105/mo
Today · 4.125%
HK$3,551
baseline
▲ 0.50% · 4.625%
HK$3,767
+HK$216/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,102/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,718
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,817
−HK$101/mo
Today · 4.125%
HK$3,918
baseline
▲ 0.50% · 4.625%
HK$4,125
+HK$207/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,836/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,010
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,135
−HK$126/mo
Today · 4.125%
HK$4,261
baseline
▲ 0.50% · 4.625%
HK$4,521
+HK$260/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$8,522/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,461
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,581
−HK$121/mo
Today · 4.125%
HK$4,702
baseline
▲ 0.50% · 4.625%
HK$4,950
+HK$248/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$9,404/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,678
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,824
−HK$148/mo
Today · 4.125%
HK$4,972
baseline
▲ 0.50% · 4.625%
HK$5,274
+HK$302/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,944/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,205
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$142/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,775
+HK$289/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,972/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,015
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$190/mo
Today · 4.125%
HK$6,392
baseline
▲ 0.50% · 4.625%
HK$6,781
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,784/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$6,692
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,871
−HK$182/mo
Today · 4.125%
HK$7,053
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$372/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,106/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).