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$3,518
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,627
−HK$111/mo
Today · 4.125%
HK$3,738
baseline
▲ 0.50% · 4.625%
HK$3,966
+HK$228/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$7,476/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,913
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,018
−HK$107/mo
Today · 4.125%
HK$4,125
baseline
▲ 0.50% · 4.625%
HK$4,342
+HK$217/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$8,250/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,221
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,353
−HK$133/mo
Today · 4.125%
HK$4,486
baseline
▲ 0.50% · 4.625%
HK$4,759
+HK$273/mo
Deposit HK$617K · loan HK$926K · min. income ≈ HK$8,972/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,696
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,822
−HK$128/mo
Today · 4.125%
HK$4,950
baseline
▲ 0.50% · 4.625%
HK$5,211
+HK$261/mo
Deposit HK$617K · loan HK$926K · min. income ≈ HK$9,900/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,925
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,078
−HK$156/mo
Today · 4.125%
HK$5,234
baseline
▲ 0.50% · 4.625%
HK$5,552
+HK$318/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,468/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,479
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,626
−HK$149/mo
Today · 4.125%
HK$5,775
baseline
▲ 0.50% · 4.625%
HK$6,079
+HK$304/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,550/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,332
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$200/mo
Today · 4.125%
HK$6,729
baseline
▲ 0.50% · 4.625%
HK$7,138
+HK$409/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,458/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$7,044
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$192/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,850/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).