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$3,366
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,471
−HK$106/mo
Today · 4.125%
HK$3,577
baseline
▲ 0.50% · 4.625%
HK$3,795
+HK$218/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,154/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$3,745
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,845
−HK$102/mo
Today · 4.125%
HK$3,947
baseline
▲ 0.50% · 4.625%
HK$4,155
+HK$208/mo
Deposit HK$738K · loan HK$738K · min. income ≈ HK$7,894/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$4,040
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,165
−HK$128/mo
Today · 4.125%
HK$4,293
baseline
▲ 0.50% · 4.625%
HK$4,554
+HK$261/mo
Deposit HK$591K · loan HK$886K · min. income ≈ HK$8,586/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,494
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$123/mo
Today · 4.125%
HK$4,737
baseline
▲ 0.50% · 4.625%
HK$4,986
+HK$249/mo
Deposit HK$591K · loan HK$886K · min. income ≈ HK$9,474/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,713
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$149/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,313
+HK$305/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,016/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$5,243
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$142/mo
Today · 4.125%
HK$5,526
baseline
▲ 0.50% · 4.625%
HK$5,818
+HK$292/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,052/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$6,059
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,248
−HK$191/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,831
+HK$392/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,878/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$6,741
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,922
−HK$183/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,480
+HK$375/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,210/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).