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$3,492
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,601
−HK$110/mo
Today · 4.125%
HK$3,711
baseline
▲ 0.50% · 4.625%
HK$3,937
+HK$226/mo
Deposit HK$766K · loan HK$766K · min. income ≈ HK$7,422/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,885
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,989
−HK$106/mo
Today · 4.125%
HK$4,095
baseline
▲ 0.50% · 4.625%
HK$4,311
+HK$216/mo
Deposit HK$766K · loan HK$766K · min. income ≈ HK$8,190/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,191
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,321
−HK$133/mo
Today · 4.125%
HK$4,454
baseline
▲ 0.50% · 4.625%
HK$4,725
+HK$271/mo
Deposit HK$613K · loan HK$919K · min. income ≈ HK$8,908/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,662
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,787
−HK$127/mo
Today · 4.125%
HK$4,914
baseline
▲ 0.50% · 4.625%
HK$5,173
+HK$259/mo
Deposit HK$613K · loan HK$919K · min. income ≈ HK$9,828/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,889
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,041
−HK$155/mo
Today · 4.125%
HK$5,196
baseline
▲ 0.50% · 4.625%
HK$5,512
+HK$316/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,392/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,439
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,585
−HK$148/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,035
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,466/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,286
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,482
−HK$198/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,087
+HK$407/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,360/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$6,993
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$190/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,760
+HK$389/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,742/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).