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$3,469
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,577
−HK$109/mo
Today · 4.125%
HK$3,686
baseline
▲ 0.50% · 4.625%
HK$3,911
+HK$225/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$7,372/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,859
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,962
−HK$105/mo
Today · 4.125%
HK$4,067
baseline
▲ 0.50% · 4.625%
HK$4,282
+HK$215/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$8,134/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,162
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,292
−HK$131/mo
Today · 4.125%
HK$4,423
baseline
▲ 0.50% · 4.625%
HK$4,693
+HK$270/mo
Deposit HK$608K · loan HK$913K · min. income ≈ HK$8,846/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,631
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,755
−HK$126/mo
Today · 4.125%
HK$4,881
baseline
▲ 0.50% · 4.625%
HK$5,138
+HK$257/mo
Deposit HK$608K · loan HK$913K · min. income ≈ HK$9,762/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,856
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$154/mo
Today · 4.125%
HK$5,161
baseline
▲ 0.50% · 4.625%
HK$5,475
+HK$314/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$10,322/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,402
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$147/mo
Today · 4.125%
HK$5,694
baseline
▲ 0.50% · 4.625%
HK$5,995
+HK$301/mo
Deposit HK$456K · loan HK$1.06M · min. income ≈ HK$11,388/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,244
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$197/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$404/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,270/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$6,946
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$189/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,642/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).