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$3,525
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,635
−HK$111/mo
Today · 4.125%
HK$3,746
baseline
▲ 0.50% · 4.625%
HK$3,974
+HK$228/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$7,492/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,922
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,027
−HK$107/mo
Today · 4.125%
HK$4,134
baseline
▲ 0.50% · 4.625%
HK$4,352
+HK$218/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$8,268/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,230
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,362
−HK$134/mo
Today · 4.125%
HK$4,496
baseline
▲ 0.50% · 4.625%
HK$4,769
+HK$273/mo
Deposit HK$618K · loan HK$928K · min. income ≈ HK$8,992/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,706
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,833
−HK$128/mo
Today · 4.125%
HK$4,961
baseline
▲ 0.50% · 4.625%
HK$5,222
+HK$261/mo
Deposit HK$618K · loan HK$928K · min. income ≈ HK$9,922/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,936
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,089
−HK$156/mo
Today · 4.125%
HK$5,245
baseline
▲ 0.50% · 4.625%
HK$5,564
+HK$319/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,490/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,491
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,638
−HK$149/mo
Today · 4.125%
HK$5,787
baseline
▲ 0.50% · 4.625%
HK$6,092
+HK$305/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,574/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,346
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,543
−HK$201/mo
Today · 4.125%
HK$6,744
baseline
▲ 0.50% · 4.625%
HK$7,154
+HK$410/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,488/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,060
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,249
−HK$192/mo
Today · 4.125%
HK$7,441
baseline
▲ 0.50% · 4.625%
HK$7,833
+HK$392/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,882/mo (50% DSR)
Upfront cash ≈ HK$155K (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).