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$3,031
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,125
−HK$96/mo
Today · 4.125%
HK$3,221
baseline
▲ 0.50% · 4.625%
HK$3,417
+HK$196/mo
Deposit HK$665K · loan HK$665K · min. income ≈ HK$6,442/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,372
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,462
−HK$92/mo
Today · 4.125%
HK$3,554
baseline
▲ 0.50% · 4.625%
HK$3,741
+HK$187/mo
Deposit HK$665K · loan HK$665K · min. income ≈ HK$7,108/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,637
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,750
−HK$115/mo
Today · 4.125%
HK$3,865
baseline
▲ 0.50% · 4.625%
HK$4,100
+HK$235/mo
Deposit HK$532K · loan HK$798K · min. income ≈ HK$7,730/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,046
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,155
−HK$110/mo
Today · 4.125%
HK$4,265
baseline
▲ 0.50% · 4.625%
HK$4,490
+HK$225/mo
Deposit HK$532K · loan HK$798K · min. income ≈ HK$8,530/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,243
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,375
−HK$134/mo
Today · 4.125%
HK$4,509
baseline
▲ 0.50% · 4.625%
HK$4,784
+HK$275/mo
Deposit HK$399K · loan HK$930K · min. income ≈ HK$9,018/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,721
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,847
−HK$129/mo
Today · 4.125%
HK$4,976
baseline
▲ 0.50% · 4.625%
HK$5,238
+HK$262/mo
Deposit HK$399K · loan HK$930K · min. income ≈ HK$9,952/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,456
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,625
−HK$173/mo
Today · 4.125%
HK$5,798
baseline
▲ 0.50% · 4.625%
HK$6,151
+HK$353/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$11,596/mo (50% DSR)
Upfront cash ≈ HK$133K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,069
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,232
−HK$165/mo
Today · 4.125%
HK$6,397
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$338/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$12,794/mo (50% DSR)
Upfront cash ≈ HK$133K (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).