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$3,486
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,594
−HK$110/mo
Today · 4.125%
HK$3,704
baseline
▲ 0.50% · 4.625%
HK$3,930
+HK$226/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,408/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,878
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,982
−HK$105/mo
Today · 4.125%
HK$4,087
baseline
▲ 0.50% · 4.625%
HK$4,303
+HK$216/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,174/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,183
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,313
−HK$132/mo
Today · 4.125%
HK$4,445
baseline
▲ 0.50% · 4.625%
HK$4,716
+HK$271/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$8,890/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,653
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,778
−HK$127/mo
Today · 4.125%
HK$4,905
baseline
▲ 0.50% · 4.625%
HK$5,163
+HK$258/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$9,810/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,880
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$154/mo
Today · 4.125%
HK$5,186
baseline
▲ 0.50% · 4.625%
HK$5,502
+HK$316/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,372/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,429
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$147/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,024
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,444/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,274
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,469
−HK$199/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,073
+HK$405/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,336/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,980
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$190/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,714/mo (50% DSR)
Upfront cash ≈ HK$153K (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).