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$3,209
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,309
−HK$101/mo
Today · 4.125%
HK$3,410
baseline
▲ 0.50% · 4.625%
HK$3,618
+HK$208/mo
Deposit HK$704K · loan HK$704K · min. income ≈ HK$6,820/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,570
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,666
−HK$97/mo
Today · 4.125%
HK$3,763
baseline
▲ 0.50% · 4.625%
HK$3,961
+HK$198/mo
Deposit HK$704K · loan HK$704K · min. income ≈ HK$7,526/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,851
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,970
−HK$122/mo
Today · 4.125%
HK$4,092
baseline
▲ 0.50% · 4.625%
HK$4,341
+HK$249/mo
Deposit HK$563K · loan HK$844K · min. income ≈ HK$8,184/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,284
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,399
−HK$116/mo
Today · 4.125%
HK$4,515
baseline
▲ 0.50% · 4.625%
HK$4,753
+HK$238/mo
Deposit HK$563K · loan HK$844K · min. income ≈ HK$9,030/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,492
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,632
−HK$142/mo
Today · 4.125%
HK$4,774
baseline
▲ 0.50% · 4.625%
HK$5,065
+HK$291/mo
Deposit HK$422K · loan HK$985K · min. income ≈ HK$9,548/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,998
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,132
−HK$136/mo
Today · 4.125%
HK$5,268
baseline
▲ 0.50% · 4.625%
HK$5,545
+HK$277/mo
Deposit HK$422K · loan HK$985K · min. income ≈ HK$10,536/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,776
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$182/mo
Today · 4.125%
HK$6,138
baseline
▲ 0.50% · 4.625%
HK$6,512
+HK$374/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,276/mo (50% DSR)
Upfront cash ≈ HK$141K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,426
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,598
−HK$175/mo
Today · 4.125%
HK$6,773
baseline
▲ 0.50% · 4.625%
HK$7,130
+HK$357/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,546/mo (50% DSR)
Upfront cash ≈ HK$141K (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).