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$3,437
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,544
−HK$108/mo
Today · 4.125%
HK$3,652
baseline
▲ 0.50% · 4.625%
HK$3,875
+HK$223/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$7,304/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,823
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,926
−HK$104/mo
Today · 4.125%
HK$4,030
baseline
▲ 0.50% · 4.625%
HK$4,242
+HK$212/mo
Deposit HK$754K · loan HK$754K · min. income ≈ HK$8,060/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,124
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,252
−HK$131/mo
Today · 4.125%
HK$4,383
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$266/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$8,766/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$4,588
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$125/mo
Today · 4.125%
HK$4,836
baseline
▲ 0.50% · 4.625%
HK$5,091
+HK$255/mo
Deposit HK$603K · loan HK$904K · min. income ≈ HK$9,672/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$4,811
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,961
−HK$152/mo
Today · 4.125%
HK$5,113
baseline
▲ 0.50% · 4.625%
HK$5,424
+HK$311/mo
Deposit HK$452K · loan HK$1.06M · min. income ≈ HK$10,226/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$5,353
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,496
−HK$146/mo
Today · 4.125%
HK$5,642
baseline
▲ 0.50% · 4.625%
HK$5,939
+HK$297/mo
Deposit HK$452K · loan HK$1.06M · min. income ≈ HK$11,284/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$6,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,379
−HK$195/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$400/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,148/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$6,882
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$187/mo
Today · 4.125%
HK$7,254
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$382/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,508/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).