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$3,355
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,459
−HK$106/mo
Today · 4.125%
HK$3,565
baseline
▲ 0.50% · 4.625%
HK$3,782
+HK$217/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,130/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,732
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,832
−HK$102/mo
Today · 4.125%
HK$3,934
baseline
▲ 0.50% · 4.625%
HK$4,141
+HK$207/mo
Deposit HK$736K · loan HK$736K · min. income ≈ HK$7,868/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,026
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,151
−HK$127/mo
Today · 4.125%
HK$4,278
baseline
▲ 0.50% · 4.625%
HK$4,539
+HK$261/mo
Deposit HK$588K · loan HK$883K · min. income ≈ HK$8,556/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,479
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,599
−HK$122/mo
Today · 4.125%
HK$4,721
baseline
▲ 0.50% · 4.625%
HK$4,969
+HK$248/mo
Deposit HK$588K · loan HK$883K · min. income ≈ HK$9,442/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,697
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,843
−HK$148/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,295
+HK$304/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$9,982/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,225
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$142/mo
Today · 4.125%
HK$5,507
baseline
▲ 0.50% · 4.625%
HK$5,798
+HK$291/mo
Deposit HK$441K · loan HK$1.03M · min. income ≈ HK$11,014/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,039
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,227
−HK$190/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,808
+HK$391/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,834/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$6,718
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$183/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$373/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,162/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).