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$3,046
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,141
−HK$96/mo
Today · 4.125%
HK$3,237
baseline
▲ 0.50% · 4.625%
HK$3,434
+HK$197/mo
Deposit HK$668K · loan HK$668K · min. income ≈ HK$6,474/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$3,479
−HK$93/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,760
+HK$188/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$3,655
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,769
−HK$115/mo
Today · 4.125%
HK$3,884
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$237/mo
Deposit HK$534K · loan HK$801K · min. income ≈ HK$7,768/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,066
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,175
−HK$111/mo
Today · 4.125%
HK$4,286
baseline
▲ 0.50% · 4.625%
HK$4,512
+HK$226/mo
Deposit HK$534K · loan HK$801K · min. income ≈ HK$8,572/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,264
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,397
−HK$135/mo
Today · 4.125%
HK$4,532
baseline
▲ 0.50% · 4.625%
HK$4,807
+HK$275/mo
Deposit HK$401K · loan HK$935K · min. income ≈ HK$9,064/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$4,744
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,871
−HK$129/mo
Today · 4.125%
HK$5,000
baseline
▲ 0.50% · 4.625%
HK$5,264
+HK$264/mo
Deposit HK$401K · loan HK$935K · min. income ≈ HK$10,000/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$5,483
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,653
−HK$173/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,181
+HK$355/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$11,652/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$6,099
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,263
−HK$166/mo
Today · 4.125%
HK$6,429
baseline
▲ 0.50% · 4.625%
HK$6,768
+HK$339/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$12,858/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).