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$3,214
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,314
−HK$102/mo
Today · 4.125%
HK$3,416
baseline
▲ 0.50% · 4.625%
HK$3,624
+HK$208/mo
Deposit HK$705K · loan HK$705K · min. income ≈ HK$6,832/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,576
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$97/mo
Today · 4.125%
HK$3,769
baseline
▲ 0.50% · 4.625%
HK$3,968
+HK$199/mo
Deposit HK$705K · loan HK$705K · min. income ≈ HK$7,538/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,857
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,977
−HK$122/mo
Today · 4.125%
HK$4,099
baseline
▲ 0.50% · 4.625%
HK$4,349
+HK$250/mo
Deposit HK$564K · loan HK$846K · min. income ≈ HK$8,198/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,291
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$117/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,761
+HK$238/mo
Deposit HK$564K · loan HK$846K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,500
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,640
−HK$142/mo
Today · 4.125%
HK$4,782
baseline
▲ 0.50% · 4.625%
HK$5,073
+HK$291/mo
Deposit HK$423K · loan HK$987K · min. income ≈ HK$9,564/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,006
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,141
−HK$136/mo
Today · 4.125%
HK$5,277
baseline
▲ 0.50% · 4.625%
HK$5,555
+HK$278/mo
Deposit HK$423K · loan HK$987K · min. income ≈ HK$10,554/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,786
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$183/mo
Today · 4.125%
HK$6,149
baseline
▲ 0.50% · 4.625%
HK$6,523
+HK$374/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,298/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$6,437
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$176/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$357/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,570/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).