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$3,070
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,165
−HK$97/mo
Today · 4.125%
HK$3,262
baseline
▲ 0.50% · 4.625%
HK$3,461
+HK$199/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$6,524/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,415
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,506
−HK$93/mo
Today · 4.125%
HK$3,599
baseline
▲ 0.50% · 4.625%
HK$3,789
+HK$190/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$7,198/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,684
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,798
−HK$116/mo
Today · 4.125%
HK$3,914
baseline
▲ 0.50% · 4.625%
HK$4,153
+HK$239/mo
Deposit HK$538K · loan HK$808K · min. income ≈ HK$7,828/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,098
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,208
−HK$111/mo
Today · 4.125%
HK$4,319
baseline
▲ 0.50% · 4.625%
HK$4,547
+HK$228/mo
Deposit HK$538K · loan HK$808K · min. income ≈ HK$8,638/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,297
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,431
−HK$136/mo
Today · 4.125%
HK$4,567
baseline
▲ 0.50% · 4.625%
HK$4,845
+HK$278/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$9,134/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,781
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,909
−HK$130/mo
Today · 4.125%
HK$5,039
baseline
▲ 0.50% · 4.625%
HK$5,305
+HK$266/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$10,078/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,525
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$175/mo
Today · 4.125%
HK$5,872
baseline
▲ 0.50% · 4.625%
HK$6,229
+HK$357/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,744/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,147
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$167/mo
Today · 4.125%
HK$6,479
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$341/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,958/mo (50% DSR)
Upfront cash ≈ HK$135K (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).