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$3,489
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,598
−HK$110/mo
Today · 4.125%
HK$3,708
baseline
▲ 0.50% · 4.625%
HK$3,934
+HK$226/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$7,416/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,882
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,986
−HK$106/mo
Today · 4.125%
HK$4,092
baseline
▲ 0.50% · 4.625%
HK$4,307
+HK$215/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$8,184/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,187
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,318
−HK$132/mo
Today · 4.125%
HK$4,450
baseline
▲ 0.50% · 4.625%
HK$4,721
+HK$271/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$8,900/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,658
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,783
−HK$127/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,169
+HK$259/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$9,820/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,885
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,037
−HK$155/mo
Today · 4.125%
HK$5,192
baseline
▲ 0.50% · 4.625%
HK$5,507
+HK$315/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,384/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,435
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,580
−HK$148/mo
Today · 4.125%
HK$5,728
baseline
▲ 0.50% · 4.625%
HK$6,030
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,456/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,281
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$199/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,081
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,350/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,987
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$190/mo
Today · 4.125%
HK$7,365
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,730/mo (50% DSR)
Upfront cash ≈ HK$153K (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).