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$3,345
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,449
−HK$106/mo
Today · 4.125%
HK$3,555
baseline
▲ 0.50% · 4.625%
HK$3,771
+HK$216/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,110/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,721
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,821
−HK$101/mo
Today · 4.125%
HK$3,922
baseline
▲ 0.50% · 4.625%
HK$4,129
+HK$207/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,844/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,014
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,139
−HK$127/mo
Today · 4.125%
HK$4,266
baseline
▲ 0.50% · 4.625%
HK$4,525
+HK$259/mo
Deposit HK$587K · loan HK$880K · min. income ≈ HK$8,532/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$4,466
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,585
−HK$122/mo
Today · 4.125%
HK$4,707
baseline
▲ 0.50% · 4.625%
HK$4,955
+HK$248/mo
Deposit HK$587K · loan HK$880K · min. income ≈ HK$9,414/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$4,683
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,829
−HK$148/mo
Today · 4.125%
HK$4,977
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$302/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,954/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$5,210
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$142/mo
Today · 4.125%
HK$5,491
baseline
▲ 0.50% · 4.625%
HK$5,781
+HK$290/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,982/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$6,021
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,208
−HK$191/mo
Today · 4.125%
HK$6,399
baseline
▲ 0.50% · 4.625%
HK$6,788
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,798/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$6,698
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,878
−HK$182/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,432
+HK$372/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,120/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).