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$3,459
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,567
−HK$109/mo
Today · 4.125%
HK$3,676
baseline
▲ 0.50% · 4.625%
HK$3,900
+HK$224/mo
Deposit HK$759K · loan HK$759K · min. income ≈ HK$7,352/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,849
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,952
−HK$105/mo
Today · 4.125%
HK$4,057
baseline
▲ 0.50% · 4.625%
HK$4,270
+HK$213/mo
Deposit HK$759K · loan HK$759K · min. income ≈ HK$8,114/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,151
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,280
−HK$132/mo
Today · 4.125%
HK$4,412
baseline
▲ 0.50% · 4.625%
HK$4,680
+HK$268/mo
Deposit HK$607K · loan HK$910K · min. income ≈ HK$8,824/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,618
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,742
−HK$126/mo
Today · 4.125%
HK$4,868
baseline
▲ 0.50% · 4.625%
HK$5,124
+HK$256/mo
Deposit HK$607K · loan HK$910K · min. income ≈ HK$9,736/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,843
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,994
−HK$153/mo
Today · 4.125%
HK$5,147
baseline
▲ 0.50% · 4.625%
HK$5,460
+HK$313/mo
Deposit HK$455K · loan HK$1.06M · min. income ≈ HK$10,294/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,388
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,533
−HK$146/mo
Today · 4.125%
HK$5,679
baseline
▲ 0.50% · 4.625%
HK$5,979
+HK$300/mo
Deposit HK$455K · loan HK$1.06M · min. income ≈ HK$11,358/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,227
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,421
−HK$197/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$7,020
+HK$402/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,236/mo (50% DSR)
Upfront cash ≈ HK$152K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,928
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,113
−HK$189/mo
Today · 4.125%
HK$7,302
baseline
▲ 0.50% · 4.625%
HK$7,687
+HK$385/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,604/mo (50% DSR)
Upfront cash ≈ HK$152K (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).