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$3,491
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,599
−HK$110/mo
Today · 4.125%
HK$3,709
baseline
▲ 0.50% · 4.625%
HK$3,935
+HK$226/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$7,418/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,883
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,987
−HK$106/mo
Today · 4.125%
HK$4,093
baseline
▲ 0.50% · 4.625%
HK$4,309
+HK$216/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$8,186/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,189
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,319
−HK$132/mo
Today · 4.125%
HK$4,451
baseline
▲ 0.50% · 4.625%
HK$4,722
+HK$271/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$8,902/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$4,660
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,785
−HK$127/mo
Today · 4.125%
HK$4,912
baseline
▲ 0.50% · 4.625%
HK$5,170
+HK$258/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$9,824/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$4,887
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,039
−HK$154/mo
Today · 4.125%
HK$5,193
baseline
▲ 0.50% · 4.625%
HK$5,509
+HK$316/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,386/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$5,436
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,582
−HK$148/mo
Today · 4.125%
HK$5,730
baseline
▲ 0.50% · 4.625%
HK$6,032
+HK$302/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,460/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$6,283
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$199/mo
Today · 4.125%
HK$6,677
baseline
▲ 0.50% · 4.625%
HK$7,083
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,354/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$6,990
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,177
−HK$190/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,756
+HK$389/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,734/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).