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$3,397
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,503
−HK$107/mo
Today · 4.125%
HK$3,610
baseline
▲ 0.50% · 4.625%
HK$3,830
+HK$220/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,220/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$3,779
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,881
−HK$103/mo
Today · 4.125%
HK$3,984
baseline
▲ 0.50% · 4.625%
HK$4,194
+HK$210/mo
Deposit HK$745K · loan HK$745K · min. income ≈ HK$7,968/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$4,077
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,203
−HK$129/mo
Today · 4.125%
HK$4,332
baseline
▲ 0.50% · 4.625%
HK$4,596
+HK$264/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$8,664/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$4,535
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,657
−HK$123/mo
Today · 4.125%
HK$4,780
baseline
▲ 0.50% · 4.625%
HK$5,032
+HK$252/mo
Deposit HK$596K · loan HK$894K · min. income ≈ HK$9,560/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$4,756
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$150/mo
Today · 4.125%
HK$5,054
baseline
▲ 0.50% · 4.625%
HK$5,362
+HK$308/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$10,108/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$5,291
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,433
−HK$144/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$294/mo
Deposit HK$447K · loan HK$1.04M · min. income ≈ HK$11,154/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$6,115
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$193/mo
Today · 4.125%
HK$6,498
baseline
▲ 0.50% · 4.625%
HK$6,894
+HK$396/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,996/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$6,803
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,985
−HK$185/mo
Today · 4.125%
HK$7,170
baseline
▲ 0.50% · 4.625%
HK$7,548
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,340/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).