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$3,268
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,370
−HK$103/mo
Today · 4.125%
HK$3,473
baseline
▲ 0.50% · 4.625%
HK$3,684
+HK$211/mo
Deposit HK$717K · loan HK$717K · min. income ≈ HK$6,946/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,636
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,733
−HK$99/mo
Today · 4.125%
HK$3,832
baseline
▲ 0.50% · 4.625%
HK$4,034
+HK$202/mo
Deposit HK$717K · loan HK$717K · min. income ≈ HK$7,664/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,922
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,044
−HK$124/mo
Today · 4.125%
HK$4,168
baseline
▲ 0.50% · 4.625%
HK$4,421
+HK$253/mo
Deposit HK$573K · loan HK$860K · min. income ≈ HK$8,336/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,363
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,480
−HK$119/mo
Today · 4.125%
HK$4,599
baseline
▲ 0.50% · 4.625%
HK$4,841
+HK$242/mo
Deposit HK$573K · loan HK$860K · min. income ≈ HK$9,198/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,575
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,718
−HK$144/mo
Today · 4.125%
HK$4,862
baseline
▲ 0.50% · 4.625%
HK$5,158
+HK$296/mo
Deposit HK$430K · loan HK$1.00M · min. income ≈ HK$9,724/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,090
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,226
−HK$139/mo
Today · 4.125%
HK$5,365
baseline
▲ 0.50% · 4.625%
HK$5,648
+HK$283/mo
Deposit HK$430K · loan HK$1.00M · min. income ≈ HK$10,730/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,883
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$185/mo
Today · 4.125%
HK$6,251
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$381/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$12,502/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,544
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$178/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,261
+HK$363/mo
Deposit HK$143K · loan HK$1.29M · min. income ≈ HK$13,796/mo (50% DSR)
Upfront cash ≈ HK$143K (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).