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$3,172
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,270
−HK$100/mo
Today · 4.125%
HK$3,370
baseline
▲ 0.50% · 4.625%
HK$3,576
+HK$206/mo
Deposit HK$695K · loan HK$695K · min. income ≈ HK$6,740/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,528
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,623
−HK$96/mo
Today · 4.125%
HK$3,719
baseline
▲ 0.50% · 4.625%
HK$3,915
+HK$196/mo
Deposit HK$695K · loan HK$695K · min. income ≈ HK$7,438/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,806
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,924
−HK$121/mo
Today · 4.125%
HK$4,045
baseline
▲ 0.50% · 4.625%
HK$4,291
+HK$246/mo
Deposit HK$556K · loan HK$835K · min. income ≈ HK$8,090/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,234
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$115/mo
Today · 4.125%
HK$4,463
baseline
▲ 0.50% · 4.625%
HK$4,698
+HK$235/mo
Deposit HK$556K · loan HK$835K · min. income ≈ HK$8,926/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,440
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,578
−HK$141/mo
Today · 4.125%
HK$4,719
baseline
▲ 0.50% · 4.625%
HK$5,006
+HK$287/mo
Deposit HK$417K · loan HK$974K · min. income ≈ HK$9,438/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,940
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,072
−HK$135/mo
Today · 4.125%
HK$5,207
baseline
▲ 0.50% · 4.625%
HK$5,481
+HK$274/mo
Deposit HK$417K · loan HK$974K · min. income ≈ HK$10,414/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,709
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$181/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$369/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,134/mo (50% DSR)
Upfront cash ≈ HK$139K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,351
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$173/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,047
+HK$353/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,388/mo (50% DSR)
Upfront cash ≈ HK$139K (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).