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$3,453
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,561
−HK$109/mo
Today · 4.125%
HK$3,670
baseline
▲ 0.50% · 4.625%
HK$3,893
+HK$223/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$7,340/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,842
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,945
−HK$104/mo
Today · 4.125%
HK$4,049
baseline
▲ 0.50% · 4.625%
HK$4,263
+HK$214/mo
Deposit HK$757K · loan HK$757K · min. income ≈ HK$8,098/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,144
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,273
−HK$131/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,672
+HK$268/mo
Deposit HK$606K · loan HK$909K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,610
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$125/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$256/mo
Deposit HK$606K · loan HK$909K · min. income ≈ HK$9,718/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,835
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,985
−HK$153/mo
Today · 4.125%
HK$5,138
baseline
▲ 0.50% · 4.625%
HK$5,450
+HK$312/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$10,276/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,379
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,523
−HK$146/mo
Today · 4.125%
HK$5,669
baseline
▲ 0.50% · 4.625%
HK$5,968
+HK$299/mo
Deposit HK$454K · loan HK$1.06M · min. income ≈ HK$11,338/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,216
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,409
−HK$197/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$7,008
+HK$402/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,212/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$6,915
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,101
−HK$188/mo
Today · 4.125%
HK$7,289
baseline
▲ 0.50% · 4.625%
HK$7,673
+HK$384/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,578/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).