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$3,494
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,603
−HK$110/mo
Today · 4.125%
HK$3,713
baseline
▲ 0.50% · 4.625%
HK$3,939
+HK$226/mo
Deposit HK$766K · loan HK$766K · min. income ≈ HK$7,426/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$3,887
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,991
−HK$106/mo
Today · 4.125%
HK$4,097
baseline
▲ 0.50% · 4.625%
HK$4,313
+HK$216/mo
Deposit HK$766K · loan HK$766K · min. income ≈ HK$8,194/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$4,193
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,323
−HK$133/mo
Today · 4.125%
HK$4,456
baseline
▲ 0.50% · 4.625%
HK$4,727
+HK$271/mo
Deposit HK$613K · loan HK$919K · min. income ≈ HK$8,912/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$4,665
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,790
−HK$127/mo
Today · 4.125%
HK$4,917
baseline
▲ 0.50% · 4.625%
HK$5,176
+HK$259/mo
Deposit HK$613K · loan HK$919K · min. income ≈ HK$9,834/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$4,892
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,044
−HK$154/mo
Today · 4.125%
HK$5,198
baseline
▲ 0.50% · 4.625%
HK$5,515
+HK$317/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$10,396/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$5,442
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$148/mo
Today · 4.125%
HK$5,736
baseline
▲ 0.50% · 4.625%
HK$6,038
+HK$302/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$11,472/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$6,289
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$199/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,368/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$6,997
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$191/mo
Today · 4.125%
HK$7,375
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$389/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,750/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).