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$3,544
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,654
−HK$112/mo
Today · 4.125%
HK$3,766
baseline
▲ 0.50% · 4.625%
HK$3,995
+HK$229/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$7,532/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,942
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,048
−HK$107/mo
Today · 4.125%
HK$4,155
baseline
▲ 0.50% · 4.625%
HK$4,374
+HK$219/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$8,310/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,252
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,385
−HK$134/mo
Today · 4.125%
HK$4,519
baseline
▲ 0.50% · 4.625%
HK$4,794
+HK$275/mo
Deposit HK$622K · loan HK$932K · min. income ≈ HK$9,038/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,731
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,858
−HK$128/mo
Today · 4.125%
HK$4,986
baseline
▲ 0.50% · 4.625%
HK$5,249
+HK$263/mo
Deposit HK$622K · loan HK$932K · min. income ≈ HK$9,972/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,961
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,116
−HK$156/mo
Today · 4.125%
HK$5,272
baseline
▲ 0.50% · 4.625%
HK$5,593
+HK$321/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$10,544/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,519
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,667
−HK$150/mo
Today · 4.125%
HK$5,817
baseline
▲ 0.50% · 4.625%
HK$6,124
+HK$307/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$11,634/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,379
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,577
−HK$202/mo
Today · 4.125%
HK$6,779
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$412/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,558/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,096
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$193/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,874
+HK$394/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,960/mo (50% DSR)
Upfront cash ≈ HK$156K (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).