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$3,351
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,455
−HK$106/mo
Today · 4.125%
HK$3,561
baseline
▲ 0.50% · 4.625%
HK$3,777
+HK$216/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,122/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,727
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,827
−HK$102/mo
Today · 4.125%
HK$3,929
baseline
▲ 0.50% · 4.625%
HK$4,136
+HK$207/mo
Deposit HK$735K · loan HK$735K · min. income ≈ HK$7,858/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,021
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,146
−HK$127/mo
Today · 4.125%
HK$4,273
baseline
▲ 0.50% · 4.625%
HK$4,533
+HK$260/mo
Deposit HK$588K · loan HK$882K · min. income ≈ HK$8,546/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,473
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,593
−HK$122/mo
Today · 4.125%
HK$4,715
baseline
▲ 0.50% · 4.625%
HK$4,963
+HK$248/mo
Deposit HK$588K · loan HK$882K · min. income ≈ HK$9,430/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,691
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,837
−HK$148/mo
Today · 4.125%
HK$4,985
baseline
▲ 0.50% · 4.625%
HK$5,288
+HK$303/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$9,970/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,218
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,358
−HK$142/mo
Today · 4.125%
HK$5,500
baseline
▲ 0.50% · 4.625%
HK$5,790
+HK$290/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$11,000/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,031
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,219
−HK$190/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,799
+HK$390/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,818/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,709
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$183/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,445
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,144/mo (50% DSR)
Upfront cash ≈ HK$147K (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).