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$3,294
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,397
−HK$104/mo
Today · 4.125%
HK$3,501
baseline
▲ 0.50% · 4.625%
HK$3,714
+HK$213/mo
Deposit HK$722K · loan HK$722K · min. income ≈ HK$7,002/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,665
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,763
−HK$100/mo
Today · 4.125%
HK$3,863
baseline
▲ 0.50% · 4.625%
HK$4,067
+HK$204/mo
Deposit HK$722K · loan HK$722K · min. income ≈ HK$7,726/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,953
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,076
−HK$125/mo
Today · 4.125%
HK$4,201
baseline
▲ 0.50% · 4.625%
HK$4,457
+HK$256/mo
Deposit HK$578K · loan HK$867K · min. income ≈ HK$8,402/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,398
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,516
−HK$120/mo
Today · 4.125%
HK$4,636
baseline
▲ 0.50% · 4.625%
HK$4,880
+HK$244/mo
Deposit HK$578K · loan HK$867K · min. income ≈ HK$9,272/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,612
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,756
−HK$145/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,200
+HK$299/mo
Deposit HK$433K · loan HK$1.01M · min. income ≈ HK$9,802/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,131
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$139/mo
Today · 4.125%
HK$5,408
baseline
▲ 0.50% · 4.625%
HK$5,693
+HK$285/mo
Deposit HK$433K · loan HK$1.01M · min. income ≈ HK$10,816/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$188/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$383/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$12,604/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,597
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$179/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$367/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$13,906/mo (50% DSR)
Upfront cash ≈ HK$145K (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).