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$3,398
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,504
−HK$107/mo
Today · 4.125%
HK$3,611
baseline
▲ 0.50% · 4.625%
HK$3,831
+HK$220/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,222/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,780
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,882
−HK$103/mo
Today · 4.125%
HK$3,985
baseline
▲ 0.50% · 4.625%
HK$4,195
+HK$210/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,970/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,078
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,204
−HK$129/mo
Today · 4.125%
HK$4,333
baseline
▲ 0.50% · 4.625%
HK$4,597
+HK$264/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$8,666/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,536
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,658
−HK$123/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,033
+HK$252/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$9,562/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,757
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,905
−HK$151/mo
Today · 4.125%
HK$5,056
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$307/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,112/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,292
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$144/mo
Today · 4.125%
HK$5,578
baseline
▲ 0.50% · 4.625%
HK$5,872
+HK$294/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,156/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,116
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,307
−HK$193/mo
Today · 4.125%
HK$6,500
baseline
▲ 0.50% · 4.625%
HK$6,896
+HK$396/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$13,000/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,804
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,987
−HK$185/mo
Today · 4.125%
HK$7,172
baseline
▲ 0.50% · 4.625%
HK$7,550
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,344/mo (50% DSR)
Upfront cash ≈ HK$149K (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).