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$3,174
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,272
−HK$101/mo
Today · 4.125%
HK$3,373
baseline
▲ 0.50% · 4.625%
HK$3,578
+HK$205/mo
Deposit HK$696K · loan HK$696K · min. income ≈ HK$6,746/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,531
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,625
−HK$96/mo
Today · 4.125%
HK$3,721
baseline
▲ 0.50% · 4.625%
HK$3,918
+HK$197/mo
Deposit HK$696K · loan HK$696K · min. income ≈ HK$7,442/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,808
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,927
−HK$120/mo
Today · 4.125%
HK$4,047
baseline
▲ 0.50% · 4.625%
HK$4,294
+HK$247/mo
Deposit HK$557K · loan HK$835K · min. income ≈ HK$8,094/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$4,237
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,350
−HK$116/mo
Today · 4.125%
HK$4,466
baseline
▲ 0.50% · 4.625%
HK$4,701
+HK$235/mo
Deposit HK$557K · loan HK$835K · min. income ≈ HK$8,932/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$4,443
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,581
−HK$141/mo
Today · 4.125%
HK$4,722
baseline
▲ 0.50% · 4.625%
HK$5,009
+HK$287/mo
Deposit HK$418K · loan HK$974K · min. income ≈ HK$9,444/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$4,943
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,076
−HK$134/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,485
+HK$275/mo
Deposit HK$418K · loan HK$974K · min. income ≈ HK$10,420/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$5,713
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,890
−HK$181/mo
Today · 4.125%
HK$6,071
baseline
▲ 0.50% · 4.625%
HK$6,440
+HK$369/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,142/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$6,355
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$173/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,052
+HK$353/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,398/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).