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$3,177
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,276
−HK$100/mo
Today · 4.125%
HK$3,376
baseline
▲ 0.50% · 4.625%
HK$3,582
+HK$206/mo
Deposit HK$697K · loan HK$697K · min. income ≈ HK$6,752/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$3,535
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,629
−HK$97/mo
Today · 4.125%
HK$3,726
baseline
▲ 0.50% · 4.625%
HK$3,922
+HK$196/mo
Deposit HK$697K · loan HK$697K · min. income ≈ HK$7,452/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$3,813
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,931
−HK$121/mo
Today · 4.125%
HK$4,052
baseline
▲ 0.50% · 4.625%
HK$4,298
+HK$246/mo
Deposit HK$557K · loan HK$836K · min. income ≈ HK$8,104/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$4,241
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,355
−HK$116/mo
Today · 4.125%
HK$4,471
baseline
▲ 0.50% · 4.625%
HK$4,706
+HK$235/mo
Deposit HK$557K · loan HK$836K · min. income ≈ HK$8,942/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$4,448
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,586
−HK$141/mo
Today · 4.125%
HK$4,727
baseline
▲ 0.50% · 4.625%
HK$5,015
+HK$288/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$9,454/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$4,948
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$135/mo
Today · 4.125%
HK$5,216
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$275/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$10,432/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$5,719
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$181/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,447
+HK$369/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,156/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$6,362
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$173/mo
Today · 4.125%
HK$6,706
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$353/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,412/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).