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$3,392
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,498
−HK$107/mo
Today · 4.125%
HK$3,605
baseline
▲ 0.50% · 4.625%
HK$3,824
+HK$219/mo
Deposit HK$744K · loan HK$744K · min. income ≈ HK$7,210/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,774
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,875
−HK$103/mo
Today · 4.125%
HK$3,978
baseline
▲ 0.50% · 4.625%
HK$4,187
+HK$209/mo
Deposit HK$744K · loan HK$744K · min. income ≈ HK$7,956/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,071
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,197
−HK$129/mo
Today · 4.125%
HK$4,326
baseline
▲ 0.50% · 4.625%
HK$4,589
+HK$263/mo
Deposit HK$595K · loan HK$893K · min. income ≈ HK$8,652/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,529
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,650
−HK$123/mo
Today · 4.125%
HK$4,773
baseline
▲ 0.50% · 4.625%
HK$5,025
+HK$252/mo
Deposit HK$595K · loan HK$893K · min. income ≈ HK$9,546/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,749
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,897
−HK$150/mo
Today · 4.125%
HK$5,047
baseline
▲ 0.50% · 4.625%
HK$5,354
+HK$307/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$10,094/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,283
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,425
−HK$144/mo
Today · 4.125%
HK$5,569
baseline
▲ 0.50% · 4.625%
HK$5,862
+HK$293/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$11,138/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,106
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$193/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$395/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,978/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$6,793
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$185/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$377/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,320/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).