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$3,447
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,554
−HK$109/mo
Today · 4.125%
HK$3,663
baseline
▲ 0.50% · 4.625%
HK$3,886
+HK$223/mo
Deposit HK$756K · loan HK$756K · min. income ≈ HK$7,326/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,834
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,937
−HK$104/mo
Today · 4.125%
HK$4,041
baseline
▲ 0.50% · 4.625%
HK$4,254
+HK$213/mo
Deposit HK$756K · loan HK$756K · min. income ≈ HK$8,082/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,136
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,264
−HK$131/mo
Today · 4.125%
HK$4,395
baseline
▲ 0.50% · 4.625%
HK$4,663
+HK$268/mo
Deposit HK$605K · loan HK$907K · min. income ≈ HK$8,790/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,601
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,724
−HK$126/mo
Today · 4.125%
HK$4,850
baseline
▲ 0.50% · 4.625%
HK$5,105
+HK$255/mo
Deposit HK$605K · loan HK$907K · min. income ≈ HK$9,700/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,825
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,975
−HK$153/mo
Today · 4.125%
HK$5,128
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$312/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$10,256/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,368
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,512
−HK$146/mo
Today · 4.125%
HK$5,658
baseline
▲ 0.50% · 4.625%
HK$5,956
+HK$298/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$11,316/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,204
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$196/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,186/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,902
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$187/mo
Today · 4.125%
HK$7,274
baseline
▲ 0.50% · 4.625%
HK$7,658
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,548/mo (50% DSR)
Upfront cash ≈ HK$151K (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).