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$3,072
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,168
−HK$97/mo
Today · 4.125%
HK$3,265
baseline
▲ 0.50% · 4.625%
HK$3,464
+HK$199/mo
Deposit HK$674K · loan HK$674K · min. income ≈ HK$6,530/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,418
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,509
−HK$93/mo
Today · 4.125%
HK$3,602
baseline
▲ 0.50% · 4.625%
HK$3,792
+HK$190/mo
Deposit HK$674K · loan HK$674K · min. income ≈ HK$7,204/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,687
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,801
−HK$117/mo
Today · 4.125%
HK$3,918
baseline
▲ 0.50% · 4.625%
HK$4,156
+HK$238/mo
Deposit HK$539K · loan HK$808K · min. income ≈ HK$7,836/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,101
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,211
−HK$112/mo
Today · 4.125%
HK$4,323
baseline
▲ 0.50% · 4.625%
HK$4,551
+HK$228/mo
Deposit HK$539K · loan HK$808K · min. income ≈ HK$8,646/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,301
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,435
−HK$136/mo
Today · 4.125%
HK$4,571
baseline
▲ 0.50% · 4.625%
HK$4,849
+HK$278/mo
Deposit HK$404K · loan HK$943K · min. income ≈ HK$9,142/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,785
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,913
−HK$130/mo
Today · 4.125%
HK$5,043
baseline
▲ 0.50% · 4.625%
HK$5,309
+HK$266/mo
Deposit HK$404K · loan HK$943K · min. income ≈ HK$10,086/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,530
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,702
−HK$175/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,234
+HK$357/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,754/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,152
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,317
−HK$167/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,826
+HK$342/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,968/mo (50% DSR)
Upfront cash ≈ HK$135K (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).