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$3,344
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,448
−HK$105/mo
Today · 4.125%
HK$3,553
baseline
▲ 0.50% · 4.625%
HK$3,769
+HK$216/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,106/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,720
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,819
−HK$102/mo
Today · 4.125%
HK$3,921
baseline
▲ 0.50% · 4.625%
HK$4,127
+HK$206/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,842/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,012
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$127/mo
Today · 4.125%
HK$4,264
baseline
▲ 0.50% · 4.625%
HK$4,523
+HK$259/mo
Deposit HK$587K · loan HK$880K · min. income ≈ HK$8,528/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,464
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,583
−HK$122/mo
Today · 4.125%
HK$4,705
baseline
▲ 0.50% · 4.625%
HK$4,953
+HK$248/mo
Deposit HK$587K · loan HK$880K · min. income ≈ HK$9,410/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,681
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,827
−HK$148/mo
Today · 4.125%
HK$4,975
baseline
▲ 0.50% · 4.625%
HK$5,277
+HK$302/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,950/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,208
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,347
−HK$142/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,778
+HK$289/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,978/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,018
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,206
−HK$190/mo
Today · 4.125%
HK$6,396
baseline
▲ 0.50% · 4.625%
HK$6,785
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,792/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$6,696
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,875
−HK$182/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,429
+HK$372/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,114/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).