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$3,429
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,535
−HK$109/mo
Today · 4.125%
HK$3,644
baseline
▲ 0.50% · 4.625%
HK$3,865
+HK$221/mo
Deposit HK$752K · loan HK$752K · min. income ≈ HK$7,288/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,814
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,917
−HK$103/mo
Today · 4.125%
HK$4,020
baseline
▲ 0.50% · 4.625%
HK$4,232
+HK$212/mo
Deposit HK$752K · loan HK$752K · min. income ≈ HK$8,040/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,114
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,242
−HK$130/mo
Today · 4.125%
HK$4,372
baseline
▲ 0.50% · 4.625%
HK$4,638
+HK$266/mo
Deposit HK$601K · loan HK$902K · min. income ≈ HK$8,744/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,577
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,700
−HK$124/mo
Today · 4.125%
HK$4,824
baseline
▲ 0.50% · 4.625%
HK$5,079
+HK$255/mo
Deposit HK$601K · loan HK$902K · min. income ≈ HK$9,648/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,800
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,949
−HK$152/mo
Today · 4.125%
HK$5,101
baseline
▲ 0.50% · 4.625%
HK$5,411
+HK$310/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$10,202/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,340
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,483
−HK$146/mo
Today · 4.125%
HK$5,629
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$296/mo
Deposit HK$451K · loan HK$1.05M · min. income ≈ HK$11,258/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,171
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,363
−HK$195/mo
Today · 4.125%
HK$6,558
baseline
▲ 0.50% · 4.625%
HK$6,958
+HK$400/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,116/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,866
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$187/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,618
+HK$381/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$150K (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).