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$3,435
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,542
−HK$109/mo
Today · 4.125%
HK$3,651
baseline
▲ 0.50% · 4.625%
HK$3,873
+HK$222/mo
Deposit HK$753K · loan HK$753K · min. income ≈ HK$7,302/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,822
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,924
−HK$104/mo
Today · 4.125%
HK$4,028
baseline
▲ 0.50% · 4.625%
HK$4,241
+HK$213/mo
Deposit HK$753K · loan HK$753K · min. income ≈ HK$8,056/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,123
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,251
−HK$130/mo
Today · 4.125%
HK$4,381
baseline
▲ 0.50% · 4.625%
HK$4,648
+HK$267/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$8,762/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,586
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,709
−HK$125/mo
Today · 4.125%
HK$4,834
baseline
▲ 0.50% · 4.625%
HK$5,089
+HK$255/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$9,668/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,810
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,959
−HK$152/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$311/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$10,222/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,351
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$146/mo
Today · 4.125%
HK$5,640
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$297/mo
Deposit HK$452K · loan HK$1.05M · min. income ≈ HK$11,280/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,184
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$196/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$399/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,144/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,879
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$187/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$382/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,502/mo (50% DSR)
Upfront cash ≈ HK$151K (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).