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$3,188
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,287
−HK$101/mo
Today · 4.125%
HK$3,388
baseline
▲ 0.50% · 4.625%
HK$3,594
+HK$206/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$6,776/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,547
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,642
−HK$96/mo
Today · 4.125%
HK$3,738
baseline
▲ 0.50% · 4.625%
HK$3,935
+HK$197/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$7,476/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,826
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,945
−HK$120/mo
Today · 4.125%
HK$4,065
baseline
▲ 0.50% · 4.625%
HK$4,313
+HK$248/mo
Deposit HK$559K · loan HK$839K · min. income ≈ HK$8,130/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,256
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,370
−HK$116/mo
Today · 4.125%
HK$4,486
baseline
▲ 0.50% · 4.625%
HK$4,722
+HK$236/mo
Deposit HK$559K · loan HK$839K · min. income ≈ HK$8,972/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,463
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,602
−HK$141/mo
Today · 4.125%
HK$4,743
baseline
▲ 0.50% · 4.625%
HK$5,032
+HK$289/mo
Deposit HK$419K · loan HK$979K · min. income ≈ HK$9,486/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,965
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,098
−HK$135/mo
Today · 4.125%
HK$5,233
baseline
▲ 0.50% · 4.625%
HK$5,509
+HK$276/mo
Deposit HK$419K · loan HK$979K · min. income ≈ HK$10,466/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,738
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,917
−HK$181/mo
Today · 4.125%
HK$6,098
baseline
▲ 0.50% · 4.625%
HK$6,469
+HK$371/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$12,196/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,384
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,555
−HK$174/mo
Today · 4.125%
HK$6,729
baseline
▲ 0.50% · 4.625%
HK$7,083
+HK$354/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$13,458/mo (50% DSR)
Upfront cash ≈ HK$140K (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).