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$3,055
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,150
−HK$96/mo
Today · 4.125%
HK$3,246
baseline
▲ 0.50% · 4.625%
HK$3,444
+HK$198/mo
Deposit HK$670K · loan HK$670K · min. income ≈ HK$6,492/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$3,398
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,489
−HK$93/mo
Today · 4.125%
HK$3,582
baseline
▲ 0.50% · 4.625%
HK$3,771
+HK$189/mo
Deposit HK$670K · loan HK$670K · min. income ≈ HK$7,164/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$3,665
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,779
−HK$116/mo
Today · 4.125%
HK$3,895
baseline
▲ 0.50% · 4.625%
HK$4,132
+HK$237/mo
Deposit HK$536K · loan HK$804K · min. income ≈ HK$7,790/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$4,078
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,187
−HK$111/mo
Today · 4.125%
HK$4,298
baseline
▲ 0.50% · 4.625%
HK$4,525
+HK$227/mo
Deposit HK$536K · loan HK$804K · min. income ≈ HK$8,596/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$4,276
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,409
−HK$135/mo
Today · 4.125%
HK$4,544
baseline
▲ 0.50% · 4.625%
HK$4,821
+HK$277/mo
Deposit HK$402K · loan HK$938K · min. income ≈ HK$9,088/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$4,757
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,885
−HK$129/mo
Today · 4.125%
HK$5,014
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$265/mo
Deposit HK$402K · loan HK$938K · min. income ≈ HK$10,028/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$5,498
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$174/mo
Today · 4.125%
HK$5,843
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$355/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$11,686/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$6,117
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$166/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,787
+HK$340/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$12,894/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).