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$3,016
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,110
−HK$95/mo
Today · 4.125%
HK$3,205
baseline
▲ 0.50% · 4.625%
HK$3,400
+HK$195/mo
Deposit HK$661K · loan HK$661K · min. income ≈ HK$6,410/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,355
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,445
−HK$92/mo
Today · 4.125%
HK$3,537
baseline
▲ 0.50% · 4.625%
HK$3,723
+HK$186/mo
Deposit HK$661K · loan HK$661K · min. income ≈ HK$7,074/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,619
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,732
−HK$114/mo
Today · 4.125%
HK$3,846
baseline
▲ 0.50% · 4.625%
HK$4,080
+HK$234/mo
Deposit HK$529K · loan HK$794K · min. income ≈ HK$7,692/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,026
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,134
−HK$110/mo
Today · 4.125%
HK$4,244
baseline
▲ 0.50% · 4.625%
HK$4,468
+HK$224/mo
Deposit HK$529K · loan HK$794K · min. income ≈ HK$8,488/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,222
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,354
−HK$133/mo
Today · 4.125%
HK$4,487
baseline
▲ 0.50% · 4.625%
HK$4,760
+HK$273/mo
Deposit HK$397K · loan HK$926K · min. income ≈ HK$8,974/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,697
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,823
−HK$128/mo
Today · 4.125%
HK$4,951
baseline
▲ 0.50% · 4.625%
HK$5,212
+HK$261/mo
Deposit HK$397K · loan HK$926K · min. income ≈ HK$9,902/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,429
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$171/mo
Today · 4.125%
HK$5,769
baseline
▲ 0.50% · 4.625%
HK$6,120
+HK$351/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,538/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,040
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$164/mo
Today · 4.125%
HK$6,366
baseline
▲ 0.50% · 4.625%
HK$6,701
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,732/mo (50% DSR)
Upfront cash ≈ HK$132K (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).