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$3,501
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,610
−HK$111/mo
Today · 4.125%
HK$3,721
baseline
▲ 0.50% · 4.625%
HK$3,947
+HK$226/mo
Deposit HK$768K · loan HK$768K · min. income ≈ HK$7,442/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,895
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,999
−HK$106/mo
Today · 4.125%
HK$4,105
baseline
▲ 0.50% · 4.625%
HK$4,322
+HK$217/mo
Deposit HK$768K · loan HK$768K · min. income ≈ HK$8,210/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,201
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,332
−HK$133/mo
Today · 4.125%
HK$4,465
baseline
▲ 0.50% · 4.625%
HK$4,737
+HK$272/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$8,930/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,674
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,799
−HK$128/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,186
+HK$259/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$9,854/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,902
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,054
−HK$155/mo
Today · 4.125%
HK$5,209
baseline
▲ 0.50% · 4.625%
HK$5,526
+HK$317/mo
Deposit HK$461K · loan HK$1.07M · min. income ≈ HK$10,418/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,453
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,599
−HK$149/mo
Today · 4.125%
HK$5,748
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$303/mo
Deposit HK$461K · loan HK$1.07M · min. income ≈ HK$11,496/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,302
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$199/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$408/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,011
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$191/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$389/mo
Deposit HK$154K · loan HK$1.38M · min. income ≈ HK$14,780/mo (50% DSR)
Upfront cash ≈ HK$154K (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).