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$3,470
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,578
−HK$110/mo
Today · 4.125%
HK$3,688
baseline
▲ 0.50% · 4.625%
HK$3,913
+HK$225/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$7,376/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$3,861
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,964
−HK$105/mo
Today · 4.125%
HK$4,069
baseline
▲ 0.50% · 4.625%
HK$4,284
+HK$215/mo
Deposit HK$761K · loan HK$761K · min. income ≈ HK$8,138/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$4,165
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,294
−HK$132/mo
Today · 4.125%
HK$4,426
baseline
▲ 0.50% · 4.625%
HK$4,695
+HK$269/mo
Deposit HK$609K · loan HK$913K · min. income ≈ HK$8,852/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$4,633
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,757
−HK$126/mo
Today · 4.125%
HK$4,883
baseline
▲ 0.50% · 4.625%
HK$5,141
+HK$258/mo
Deposit HK$609K · loan HK$913K · min. income ≈ HK$9,766/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$4,859
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,010
−HK$153/mo
Today · 4.125%
HK$5,163
baseline
▲ 0.50% · 4.625%
HK$5,478
+HK$315/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$10,326/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$5,405
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,550
−HK$147/mo
Today · 4.125%
HK$5,697
baseline
▲ 0.50% · 4.625%
HK$5,998
+HK$301/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$11,394/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$6,247
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$198/mo
Today · 4.125%
HK$6,639
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$404/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,278/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$6,950
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$189/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,711
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,650/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).