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$3,189
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,288
−HK$101/mo
Today · 4.125%
HK$3,389
baseline
▲ 0.50% · 4.625%
HK$3,595
+HK$206/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$6,778/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,548
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,643
−HK$97/mo
Today · 4.125%
HK$3,740
baseline
▲ 0.50% · 4.625%
HK$3,937
+HK$197/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$7,480/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,827
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,946
−HK$121/mo
Today · 4.125%
HK$4,067
baseline
▲ 0.50% · 4.625%
HK$4,315
+HK$248/mo
Deposit HK$559K · loan HK$839K · min. income ≈ HK$8,134/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,258
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,372
−HK$116/mo
Today · 4.125%
HK$4,488
baseline
▲ 0.50% · 4.625%
HK$4,724
+HK$236/mo
Deposit HK$559K · loan HK$839K · min. income ≈ HK$8,976/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,465
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,604
−HK$141/mo
Today · 4.125%
HK$4,745
baseline
▲ 0.50% · 4.625%
HK$5,034
+HK$289/mo
Deposit HK$420K · loan HK$979K · min. income ≈ HK$9,490/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,967
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,100
−HK$136/mo
Today · 4.125%
HK$5,236
baseline
▲ 0.50% · 4.625%
HK$5,511
+HK$275/mo
Deposit HK$420K · loan HK$979K · min. income ≈ HK$10,472/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,741
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$182/mo
Today · 4.125%
HK$6,101
baseline
▲ 0.50% · 4.625%
HK$6,472
+HK$371/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$12,202/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,386
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$173/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$355/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$13,462/mo (50% DSR)
Upfront cash ≈ HK$140K (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).