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$3,047
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,141
−HK$97/mo
Today · 4.125%
HK$3,238
baseline
▲ 0.50% · 4.625%
HK$3,435
+HK$197/mo
Deposit HK$668K · loan HK$668K · min. income ≈ HK$6,476/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,389
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,480
−HK$92/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,761
+HK$189/mo
Deposit HK$668K · loan HK$668K · min. income ≈ HK$7,144/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,656
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,770
−HK$115/mo
Today · 4.125%
HK$3,885
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$236/mo
Deposit HK$534K · loan HK$802K · min. income ≈ HK$7,770/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,067
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,176
−HK$111/mo
Today · 4.125%
HK$4,287
baseline
▲ 0.50% · 4.625%
HK$4,513
+HK$226/mo
Deposit HK$534K · loan HK$802K · min. income ≈ HK$8,574/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,265
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,398
−HK$135/mo
Today · 4.125%
HK$4,533
baseline
▲ 0.50% · 4.625%
HK$4,808
+HK$275/mo
Deposit HK$401K · loan HK$935K · min. income ≈ HK$9,066/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,745
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,872
−HK$129/mo
Today · 4.125%
HK$5,001
baseline
▲ 0.50% · 4.625%
HK$5,265
+HK$264/mo
Deposit HK$401K · loan HK$935K · min. income ≈ HK$10,002/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,484
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,654
−HK$174/mo
Today · 4.125%
HK$5,828
baseline
▲ 0.50% · 4.625%
HK$6,182
+HK$354/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$11,656/mo (50% DSR)
Upfront cash ≈ HK$134K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,101
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,264
−HK$166/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$339/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$12,860/mo (50% DSR)
Upfront cash ≈ HK$134K (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).