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$3,132
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,230
−HK$99/mo
Today · 4.125%
HK$3,329
baseline
▲ 0.50% · 4.625%
HK$3,531
+HK$202/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$6,658/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,485
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,578
−HK$95/mo
Today · 4.125%
HK$3,673
baseline
▲ 0.50% · 4.625%
HK$3,866
+HK$193/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$7,346/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,759
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,876
−HK$118/mo
Today · 4.125%
HK$3,994
baseline
▲ 0.50% · 4.625%
HK$4,237
+HK$243/mo
Deposit HK$549K · loan HK$824K · min. income ≈ HK$7,988/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,182
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,294
−HK$113/mo
Today · 4.125%
HK$4,407
baseline
▲ 0.50% · 4.625%
HK$4,640
+HK$233/mo
Deposit HK$549K · loan HK$824K · min. income ≈ HK$8,814/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,385
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,522
−HK$138/mo
Today · 4.125%
HK$4,660
baseline
▲ 0.50% · 4.625%
HK$4,944
+HK$284/mo
Deposit HK$412K · loan HK$962K · min. income ≈ HK$9,320/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,878
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,009
−HK$133/mo
Today · 4.125%
HK$5,142
baseline
▲ 0.50% · 4.625%
HK$5,413
+HK$271/mo
Deposit HK$412K · loan HK$962K · min. income ≈ HK$10,284/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,638
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,813
−HK$179/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,356
+HK$364/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$11,984/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,272
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$170/mo
Today · 4.125%
HK$6,611
baseline
▲ 0.50% · 4.625%
HK$6,960
+HK$349/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$13,222/mo (50% DSR)
Upfront cash ≈ HK$137K (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).