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$3,224
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,324
−HK$102/mo
Today · 4.125%
HK$3,426
baseline
▲ 0.50% · 4.625%
HK$3,634
+HK$208/mo
Deposit HK$707K · loan HK$707K · min. income ≈ HK$6,852/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,586
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,683
−HK$97/mo
Today · 4.125%
HK$3,780
baseline
▲ 0.50% · 4.625%
HK$3,979
+HK$199/mo
Deposit HK$707K · loan HK$707K · min. income ≈ HK$7,560/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,869
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,989
−HK$122/mo
Today · 4.125%
HK$4,111
baseline
▲ 0.50% · 4.625%
HK$4,361
+HK$250/mo
Deposit HK$566K · loan HK$848K · min. income ≈ HK$8,222/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,304
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,419
−HK$117/mo
Today · 4.125%
HK$4,536
baseline
▲ 0.50% · 4.625%
HK$4,775
+HK$239/mo
Deposit HK$566K · loan HK$848K · min. income ≈ HK$9,072/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,513
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,654
−HK$142/mo
Today · 4.125%
HK$4,796
baseline
▲ 0.50% · 4.625%
HK$5,088
+HK$292/mo
Deposit HK$424K · loan HK$990K · min. income ≈ HK$9,592/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,021
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,156
−HK$136/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,571
+HK$279/mo
Deposit HK$424K · loan HK$990K · min. income ≈ HK$10,584/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,803
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$184/mo
Today · 4.125%
HK$6,167
baseline
▲ 0.50% · 4.625%
HK$6,542
+HK$375/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,334/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$6,456
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$175/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,163
+HK$359/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,608/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).