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$3,178
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,277
−HK$100/mo
Today · 4.125%
HK$3,377
baseline
▲ 0.50% · 4.625%
HK$3,582
+HK$205/mo
Deposit HK$697K · loan HK$697K · min. income ≈ HK$6,754/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,535
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,630
−HK$96/mo
Today · 4.125%
HK$3,726
baseline
▲ 0.50% · 4.625%
HK$3,923
+HK$197/mo
Deposit HK$697K · loan HK$697K · min. income ≈ HK$7,452/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,813
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,932
−HK$120/mo
Today · 4.125%
HK$4,052
baseline
▲ 0.50% · 4.625%
HK$4,299
+HK$247/mo
Deposit HK$557K · loan HK$836K · min. income ≈ HK$8,104/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,242
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,356
−HK$115/mo
Today · 4.125%
HK$4,471
baseline
▲ 0.50% · 4.625%
HK$4,707
+HK$236/mo
Deposit HK$557K · loan HK$836K · min. income ≈ HK$8,942/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,449
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,587
−HK$141/mo
Today · 4.125%
HK$4,728
baseline
▲ 0.50% · 4.625%
HK$5,015
+HK$287/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$9,456/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,949
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,082
−HK$135/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,492
+HK$275/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$10,434/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,720
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,898
−HK$180/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,448
+HK$370/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,156/mo (50% DSR)
Upfront cash ≈ HK$139K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,363
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,534
−HK$173/mo
Today · 4.125%
HK$6,707
baseline
▲ 0.50% · 4.625%
HK$7,061
+HK$354/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,414/mo (50% DSR)
Upfront cash ≈ HK$139K (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).