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$3,471
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,579
−HK$110/mo
Today · 4.125%
HK$3,689
baseline
▲ 0.50% · 4.625%
HK$3,914
+HK$225/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$7,378/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,862
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,966
−HK$105/mo
Today · 4.125%
HK$4,071
baseline
▲ 0.50% · 4.625%
HK$4,285
+HK$214/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$8,142/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,166
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,295
−HK$132/mo
Today · 4.125%
HK$4,427
baseline
▲ 0.50% · 4.625%
HK$4,696
+HK$269/mo
Deposit HK$609K · loan HK$913K · min. income ≈ HK$8,854/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,634
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,759
−HK$126/mo
Today · 4.125%
HK$4,885
baseline
▲ 0.50% · 4.625%
HK$5,142
+HK$257/mo
Deposit HK$609K · loan HK$913K · min. income ≈ HK$9,770/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,860
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$154/mo
Today · 4.125%
HK$5,165
baseline
▲ 0.50% · 4.625%
HK$5,479
+HK$314/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$10,330/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,407
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$147/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$5,999
+HK$300/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$11,398/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,249
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,443
−HK$198/mo
Today · 4.125%
HK$6,641
baseline
▲ 0.50% · 4.625%
HK$7,045
+HK$404/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,282/mo (50% DSR)
Upfront cash ≈ HK$152K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,952
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$189/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,713
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,654/mo (50% DSR)
Upfront cash ≈ HK$152K (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).