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$3,441
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,548
−HK$108/mo
Today · 4.125%
HK$3,656
baseline
▲ 0.50% · 4.625%
HK$3,879
+HK$223/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$7,312/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,828
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,930
−HK$104/mo
Today · 4.125%
HK$4,034
baseline
▲ 0.50% · 4.625%
HK$4,247
+HK$213/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$8,068/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,129
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,257
−HK$131/mo
Today · 4.125%
HK$4,388
baseline
▲ 0.50% · 4.625%
HK$4,655
+HK$267/mo
Deposit HK$604K · loan HK$905K · min. income ≈ HK$8,776/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,593
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$125/mo
Today · 4.125%
HK$4,841
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$256/mo
Deposit HK$604K · loan HK$905K · min. income ≈ HK$9,682/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,817
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,967
−HK$152/mo
Today · 4.125%
HK$5,119
baseline
▲ 0.50% · 4.625%
HK$5,430
+HK$311/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$10,238/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,359
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,502
−HK$146/mo
Today · 4.125%
HK$5,648
baseline
▲ 0.50% · 4.625%
HK$5,946
+HK$298/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$11,296/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,193
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$196/mo
Today · 4.125%
HK$6,582
baseline
▲ 0.50% · 4.625%
HK$6,982
+HK$400/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,164/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,890
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,075
−HK$187/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$383/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,524/mo (50% DSR)
Upfront cash ≈ HK$151K (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).