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$3,525
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,634
−HK$112/mo
Today · 4.125%
HK$3,746
baseline
▲ 0.50% · 4.625%
HK$3,974
+HK$228/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$7,492/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,921
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,026
−HK$107/mo
Today · 4.125%
HK$4,133
baseline
▲ 0.50% · 4.625%
HK$4,351
+HK$218/mo
Deposit HK$773K · loan HK$773K · min. income ≈ HK$8,266/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,230
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,361
−HK$134/mo
Today · 4.125%
HK$4,495
baseline
▲ 0.50% · 4.625%
HK$4,768
+HK$273/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$8,990/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,706
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$128/mo
Today · 4.125%
HK$4,960
baseline
▲ 0.50% · 4.625%
HK$5,221
+HK$261/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$9,920/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,935
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,088
−HK$156/mo
Today · 4.125%
HK$5,244
baseline
▲ 0.50% · 4.625%
HK$5,563
+HK$319/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$10,488/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,490
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,637
−HK$149/mo
Today · 4.125%
HK$5,786
baseline
▲ 0.50% · 4.625%
HK$6,091
+HK$305/mo
Deposit HK$464K · loan HK$1.08M · min. income ≈ HK$11,572/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,345
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,542
−HK$200/mo
Today · 4.125%
HK$6,742
baseline
▲ 0.50% · 4.625%
HK$7,153
+HK$411/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$13,484/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$7,058
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,248
−HK$192/mo
Today · 4.125%
HK$7,440
baseline
▲ 0.50% · 4.625%
HK$7,832
+HK$392/mo
Deposit HK$155K · loan HK$1.39M · min. income ≈ HK$14,880/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).