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$3,536
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,646
−HK$112/mo
Today · 4.125%
HK$3,758
baseline
▲ 0.50% · 4.625%
HK$3,986
+HK$228/mo
Deposit HK$775K · loan HK$775K · min. income ≈ HK$7,516/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,934
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,039
−HK$107/mo
Today · 4.125%
HK$4,146
baseline
▲ 0.50% · 4.625%
HK$4,365
+HK$219/mo
Deposit HK$775K · loan HK$775K · min. income ≈ HK$8,292/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,243
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,375
−HK$134/mo
Today · 4.125%
HK$4,509
baseline
▲ 0.50% · 4.625%
HK$4,784
+HK$275/mo
Deposit HK$620K · loan HK$930K · min. income ≈ HK$9,018/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,721
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,847
−HK$129/mo
Today · 4.125%
HK$4,976
baseline
▲ 0.50% · 4.625%
HK$5,238
+HK$262/mo
Deposit HK$620K · loan HK$930K · min. income ≈ HK$9,952/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,950
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,104
−HK$157/mo
Today · 4.125%
HK$5,261
baseline
▲ 0.50% · 4.625%
HK$5,581
+HK$320/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$10,522/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,507
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,655
−HK$150/mo
Today · 4.125%
HK$5,805
baseline
▲ 0.50% · 4.625%
HK$6,111
+HK$306/mo
Deposit HK$465K · loan HK$1.09M · min. income ≈ HK$11,610/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,365
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$201/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,528/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$7,081
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$192/mo
Today · 4.125%
HK$7,463
baseline
▲ 0.50% · 4.625%
HK$7,857
+HK$394/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,926/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).