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$3,062
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,157
−HK$97/mo
Today · 4.125%
HK$3,254
baseline
▲ 0.50% · 4.625%
HK$3,452
+HK$198/mo
Deposit HK$671K · loan HK$671K · min. income ≈ HK$6,508/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,406
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,498
−HK$92/mo
Today · 4.125%
HK$3,590
baseline
▲ 0.50% · 4.625%
HK$3,780
+HK$190/mo
Deposit HK$671K · loan HK$671K · min. income ≈ HK$7,180/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,674
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,789
−HK$116/mo
Today · 4.125%
HK$3,905
baseline
▲ 0.50% · 4.625%
HK$4,142
+HK$237/mo
Deposit HK$537K · loan HK$806K · min. income ≈ HK$7,810/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,088
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,197
−HK$112/mo
Today · 4.125%
HK$4,309
baseline
▲ 0.50% · 4.625%
HK$4,536
+HK$227/mo
Deposit HK$537K · loan HK$806K · min. income ≈ HK$8,618/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,287
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,420
−HK$136/mo
Today · 4.125%
HK$4,556
baseline
▲ 0.50% · 4.625%
HK$4,833
+HK$277/mo
Deposit HK$403K · loan HK$940K · min. income ≈ HK$9,112/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,769
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,897
−HK$130/mo
Today · 4.125%
HK$5,027
baseline
▲ 0.50% · 4.625%
HK$5,292
+HK$265/mo
Deposit HK$403K · loan HK$940K · min. income ≈ HK$10,054/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,512
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,683
−HK$174/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,214
+HK$357/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$11,714/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$6,131
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$167/mo
Today · 4.125%
HK$6,463
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$340/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$12,926/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).