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$3,051
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,146
−HK$96/mo
Today · 4.125%
HK$3,242
baseline
▲ 0.50% · 4.625%
HK$3,439
+HK$197/mo
Deposit HK$669K · loan HK$669K · min. income ≈ HK$6,484/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,394
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,485
−HK$92/mo
Today · 4.125%
HK$3,577
baseline
▲ 0.50% · 4.625%
HK$3,766
+HK$189/mo
Deposit HK$669K · loan HK$669K · min. income ≈ HK$7,154/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,661
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,775
−HK$115/mo
Today · 4.125%
HK$3,890
baseline
▲ 0.50% · 4.625%
HK$4,127
+HK$237/mo
Deposit HK$535K · loan HK$803K · min. income ≈ HK$7,780/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,073
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,182
−HK$111/mo
Today · 4.125%
HK$4,293
baseline
▲ 0.50% · 4.625%
HK$4,519
+HK$226/mo
Deposit HK$535K · loan HK$803K · min. income ≈ HK$8,586/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,271
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,404
−HK$135/mo
Today · 4.125%
HK$4,539
baseline
▲ 0.50% · 4.625%
HK$4,815
+HK$276/mo
Deposit HK$401K · loan HK$937K · min. income ≈ HK$9,078/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,751
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,879
−HK$129/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,272
+HK$264/mo
Deposit HK$401K · loan HK$937K · min. income ≈ HK$10,016/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,491
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,662
−HK$174/mo
Today · 4.125%
HK$5,836
baseline
▲ 0.50% · 4.625%
HK$6,191
+HK$355/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$11,672/mo (50% DSR)
Upfront cash ≈ HK$134K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,109
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,273
−HK$166/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,778
+HK$339/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$12,878/mo (50% DSR)
Upfront cash ≈ HK$134K (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).