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$3,222
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,322
−HK$102/mo
Today · 4.125%
HK$3,424
baseline
▲ 0.50% · 4.625%
HK$3,632
+HK$208/mo
Deposit HK$706K · loan HK$706K · min. income ≈ HK$6,848/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$3,584
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,680
−HK$98/mo
Today · 4.125%
HK$3,778
baseline
▲ 0.50% · 4.625%
HK$3,977
+HK$199/mo
Deposit HK$706K · loan HK$706K · min. income ≈ HK$7,556/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$3,866
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,986
−HK$122/mo
Today · 4.125%
HK$4,108
baseline
▲ 0.50% · 4.625%
HK$4,358
+HK$250/mo
Deposit HK$565K · loan HK$848K · min. income ≈ HK$8,216/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,301
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,416
−HK$117/mo
Today · 4.125%
HK$4,533
baseline
▲ 0.50% · 4.625%
HK$4,772
+HK$239/mo
Deposit HK$565K · loan HK$848K · min. income ≈ HK$9,066/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,510
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,651
−HK$142/mo
Today · 4.125%
HK$4,793
baseline
▲ 0.50% · 4.625%
HK$5,085
+HK$292/mo
Deposit HK$424K · loan HK$989K · min. income ≈ HK$9,586/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$5,018
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,152
−HK$137/mo
Today · 4.125%
HK$5,289
baseline
▲ 0.50% · 4.625%
HK$5,568
+HK$279/mo
Deposit HK$424K · loan HK$989K · min. income ≈ HK$10,578/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$5,799
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,979
−HK$184/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$375/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,326/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$6,451
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,624
−HK$176/mo
Today · 4.125%
HK$6,800
baseline
▲ 0.50% · 4.625%
HK$7,158
+HK$358/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,600/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).