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$3,007
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,101
−HK$95/mo
Today · 4.125%
HK$3,196
baseline
▲ 0.50% · 4.625%
HK$3,390
+HK$194/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$6,392/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,346
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,435
−HK$91/mo
Today · 4.125%
HK$3,526
baseline
▲ 0.50% · 4.625%
HK$3,712
+HK$186/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$7,052/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,609
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,721
−HK$114/mo
Today · 4.125%
HK$3,835
baseline
▲ 0.50% · 4.625%
HK$4,069
+HK$234/mo
Deposit HK$528K · loan HK$791K · min. income ≈ HK$7,670/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,015
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,123
−HK$109/mo
Today · 4.125%
HK$4,232
baseline
▲ 0.50% · 4.625%
HK$4,455
+HK$223/mo
Deposit HK$528K · loan HK$791K · min. income ≈ HK$8,464/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,210
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,341
−HK$133/mo
Today · 4.125%
HK$4,474
baseline
▲ 0.50% · 4.625%
HK$4,747
+HK$273/mo
Deposit HK$396K · loan HK$923K · min. income ≈ HK$8,948/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,684
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$127/mo
Today · 4.125%
HK$4,937
baseline
▲ 0.50% · 4.625%
HK$5,197
+HK$260/mo
Deposit HK$396K · loan HK$923K · min. income ≈ HK$9,874/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,413
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,582
−HK$171/mo
Today · 4.125%
HK$5,753
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,506/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,022
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$164/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,682
+HK$334/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,696/mo (50% DSR)
Upfront cash ≈ HK$132K (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).