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$3,176
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,275
−HK$100/mo
Today · 4.125%
HK$3,375
baseline
▲ 0.50% · 4.625%
HK$3,581
+HK$206/mo
Deposit HK$696K · loan HK$696K · min. income ≈ HK$6,750/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,533
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,628
−HK$96/mo
Today · 4.125%
HK$3,724
baseline
▲ 0.50% · 4.625%
HK$3,921
+HK$197/mo
Deposit HK$696K · loan HK$696K · min. income ≈ HK$7,448/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,811
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,930
−HK$120/mo
Today · 4.125%
HK$4,050
baseline
▲ 0.50% · 4.625%
HK$4,297
+HK$247/mo
Deposit HK$557K · loan HK$836K · min. income ≈ HK$8,100/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,240
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,354
−HK$115/mo
Today · 4.125%
HK$4,469
baseline
▲ 0.50% · 4.625%
HK$4,705
+HK$236/mo
Deposit HK$557K · loan HK$836K · min. income ≈ HK$8,938/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,446
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,585
−HK$140/mo
Today · 4.125%
HK$4,725
baseline
▲ 0.50% · 4.625%
HK$5,013
+HK$288/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$9,450/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,947
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$135/mo
Today · 4.125%
HK$5,214
baseline
▲ 0.50% · 4.625%
HK$5,489
+HK$275/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$10,428/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,717
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,895
−HK$180/mo
Today · 4.125%
HK$6,075
baseline
▲ 0.50% · 4.625%
HK$6,445
+HK$370/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,150/mo (50% DSR)
Upfront cash ≈ HK$139K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,360
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$173/mo
Today · 4.125%
HK$6,704
baseline
▲ 0.50% · 4.625%
HK$7,057
+HK$353/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,408/mo (50% DSR)
Upfront cash ≈ HK$139K (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).