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$3,155
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,253
−HK$100/mo
Today · 4.125%
HK$3,353
baseline
▲ 0.50% · 4.625%
HK$3,557
+HK$204/mo
Deposit HK$692K · loan HK$692K · min. income ≈ HK$6,706/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,510
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,604
−HK$96/mo
Today · 4.125%
HK$3,700
baseline
▲ 0.50% · 4.625%
HK$3,895
+HK$195/mo
Deposit HK$692K · loan HK$692K · min. income ≈ HK$7,400/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,786
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,904
−HK$120/mo
Today · 4.125%
HK$4,024
baseline
▲ 0.50% · 4.625%
HK$4,268
+HK$244/mo
Deposit HK$553K · loan HK$830K · min. income ≈ HK$8,048/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,212
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,325
−HK$115/mo
Today · 4.125%
HK$4,440
baseline
▲ 0.50% · 4.625%
HK$4,674
+HK$234/mo
Deposit HK$553K · loan HK$830K · min. income ≈ HK$8,880/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,417
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,555
−HK$139/mo
Today · 4.125%
HK$4,694
baseline
▲ 0.50% · 4.625%
HK$4,980
+HK$286/mo
Deposit HK$415K · loan HK$969K · min. income ≈ HK$9,388/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,914
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,046
−HK$133/mo
Today · 4.125%
HK$5,179
baseline
▲ 0.50% · 4.625%
HK$5,453
+HK$274/mo
Deposit HK$415K · loan HK$969K · min. income ≈ HK$10,358/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,679
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$179/mo
Today · 4.125%
HK$6,035
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$368/mo
Deposit HK$138K · loan HK$1.25M · min. income ≈ HK$12,070/mo (50% DSR)
Upfront cash ≈ HK$138K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,318
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,487
−HK$172/mo
Today · 4.125%
HK$6,659
baseline
▲ 0.50% · 4.625%
HK$7,010
+HK$351/mo
Deposit HK$138K · loan HK$1.25M · min. income ≈ HK$13,318/mo (50% DSR)
Upfront cash ≈ HK$138K (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).