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$3,333
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,437
−HK$105/mo
Today · 4.125%
HK$3,542
baseline
▲ 0.50% · 4.625%
HK$3,757
+HK$215/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,084/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,708
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,807
−HK$101/mo
Today · 4.125%
HK$3,908
baseline
▲ 0.50% · 4.625%
HK$4,114
+HK$206/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,816/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,999
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,124
−HK$126/mo
Today · 4.125%
HK$4,250
baseline
▲ 0.50% · 4.625%
HK$4,509
+HK$259/mo
Deposit HK$585K · loan HK$877K · min. income ≈ HK$8,500/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,449
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,569
−HK$121/mo
Today · 4.125%
HK$4,690
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$247/mo
Deposit HK$585K · loan HK$877K · min. income ≈ HK$9,380/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,666
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,811
−HK$148/mo
Today · 4.125%
HK$4,959
baseline
▲ 0.50% · 4.625%
HK$5,260
+HK$301/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$9,918/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,191
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,330
−HK$141/mo
Today · 4.125%
HK$5,471
baseline
▲ 0.50% · 4.625%
HK$5,760
+HK$289/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$10,942/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,999
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$189/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$388/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,750/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,674
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$182/mo
Today · 4.125%
HK$7,035
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$370/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,070/mo (50% DSR)
Upfront cash ≈ HK$146K (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).