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$3,131
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,229
−HK$99/mo
Today · 4.125%
HK$3,328
baseline
▲ 0.50% · 4.625%
HK$3,530
+HK$202/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$6,656/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$3,483
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,577
−HK$95/mo
Today · 4.125%
HK$3,672
baseline
▲ 0.50% · 4.625%
HK$3,865
+HK$193/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$7,344/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$3,757
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,874
−HK$119/mo
Today · 4.125%
HK$3,993
baseline
▲ 0.50% · 4.625%
HK$4,236
+HK$243/mo
Deposit HK$549K · loan HK$824K · min. income ≈ HK$7,986/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,180
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,292
−HK$114/mo
Today · 4.125%
HK$4,406
baseline
▲ 0.50% · 4.625%
HK$4,638
+HK$232/mo
Deposit HK$549K · loan HK$824K · min. income ≈ HK$8,812/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,384
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,520
−HK$139/mo
Today · 4.125%
HK$4,659
baseline
▲ 0.50% · 4.625%
HK$4,942
+HK$283/mo
Deposit HK$412K · loan HK$961K · min. income ≈ HK$9,318/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$4,877
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,008
−HK$132/mo
Today · 4.125%
HK$5,140
baseline
▲ 0.50% · 4.625%
HK$5,411
+HK$271/mo
Deposit HK$412K · loan HK$961K · min. income ≈ HK$10,280/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$5,636
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,811
−HK$179/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$364/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$11,980/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$6,270
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$171/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$6,957
+HK$348/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$13,218/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).