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$3,056
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,151
−HK$97/mo
Today · 4.125%
HK$3,248
baseline
▲ 0.50% · 4.625%
HK$3,445
+HK$197/mo
Deposit HK$670K · loan HK$670K · min. income ≈ HK$6,496/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,400
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,491
−HK$92/mo
Today · 4.125%
HK$3,583
baseline
▲ 0.50% · 4.625%
HK$3,772
+HK$189/mo
Deposit HK$670K · loan HK$670K · min. income ≈ HK$7,166/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,667
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,781
−HK$116/mo
Today · 4.125%
HK$3,897
baseline
▲ 0.50% · 4.625%
HK$4,134
+HK$237/mo
Deposit HK$536K · loan HK$804K · min. income ≈ HK$7,794/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,080
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,189
−HK$111/mo
Today · 4.125%
HK$4,300
baseline
▲ 0.50% · 4.625%
HK$4,527
+HK$227/mo
Deposit HK$536K · loan HK$804K · min. income ≈ HK$8,600/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,278
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,412
−HK$135/mo
Today · 4.125%
HK$4,547
baseline
▲ 0.50% · 4.625%
HK$4,823
+HK$276/mo
Deposit HK$402K · loan HK$938K · min. income ≈ HK$9,094/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,760
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,887
−HK$130/mo
Today · 4.125%
HK$5,017
baseline
▲ 0.50% · 4.625%
HK$5,281
+HK$264/mo
Deposit HK$402K · loan HK$938K · min. income ≈ HK$10,034/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,501
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$174/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,202
+HK$356/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$11,692/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$6,120
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$166/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$340/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$12,900/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).