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$3,168
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,266
−HK$100/mo
Today · 4.125%
HK$3,366
baseline
▲ 0.50% · 4.625%
HK$3,571
+HK$205/mo
Deposit HK$695K · loan HK$695K · min. income ≈ HK$6,732/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,524
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,618
−HK$96/mo
Today · 4.125%
HK$3,714
baseline
▲ 0.50% · 4.625%
HK$3,910
+HK$196/mo
Deposit HK$695K · loan HK$695K · min. income ≈ HK$7,428/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,801
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,919
−HK$121/mo
Today · 4.125%
HK$4,040
baseline
▲ 0.50% · 4.625%
HK$4,285
+HK$245/mo
Deposit HK$556K · loan HK$833K · min. income ≈ HK$8,080/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,229
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,342
−HK$115/mo
Today · 4.125%
HK$4,457
baseline
▲ 0.50% · 4.625%
HK$4,692
+HK$235/mo
Deposit HK$556K · loan HK$833K · min. income ≈ HK$8,914/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,435
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,573
−HK$140/mo
Today · 4.125%
HK$4,713
baseline
▲ 0.50% · 4.625%
HK$5,000
+HK$287/mo
Deposit HK$417K · loan HK$972K · min. income ≈ HK$9,426/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,934
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,066
−HK$134/mo
Today · 4.125%
HK$5,200
baseline
▲ 0.50% · 4.625%
HK$5,474
+HK$274/mo
Deposit HK$417K · loan HK$972K · min. income ≈ HK$10,400/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,702
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$180/mo
Today · 4.125%
HK$6,059
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$369/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,118/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$6,343
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$173/mo
Today · 4.125%
HK$6,686
baseline
▲ 0.50% · 4.625%
HK$7,038
+HK$352/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,372/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).