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$3,150
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,248
−HK$99/mo
Today · 4.125%
HK$3,347
baseline
▲ 0.50% · 4.625%
HK$3,551
+HK$204/mo
Deposit HK$691K · loan HK$691K · min. income ≈ HK$6,694/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,504
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,598
−HK$95/mo
Today · 4.125%
HK$3,693
baseline
▲ 0.50% · 4.625%
HK$3,888
+HK$195/mo
Deposit HK$691K · loan HK$691K · min. income ≈ HK$7,386/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,780
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,897
−HK$120/mo
Today · 4.125%
HK$4,017
baseline
▲ 0.50% · 4.625%
HK$4,261
+HK$244/mo
Deposit HK$553K · loan HK$829K · min. income ≈ HK$8,034/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,205
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,318
−HK$114/mo
Today · 4.125%
HK$4,432
baseline
▲ 0.50% · 4.625%
HK$4,666
+HK$234/mo
Deposit HK$553K · loan HK$829K · min. income ≈ HK$8,864/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,410
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,547
−HK$139/mo
Today · 4.125%
HK$4,686
baseline
▲ 0.50% · 4.625%
HK$4,971
+HK$285/mo
Deposit HK$414K · loan HK$967K · min. income ≈ HK$9,372/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,906
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,037
−HK$134/mo
Today · 4.125%
HK$5,171
baseline
▲ 0.50% · 4.625%
HK$5,443
+HK$272/mo
Deposit HK$414K · loan HK$967K · min. income ≈ HK$10,342/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,669
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$179/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,391
+HK$366/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$12,050/mo (50% DSR)
Upfront cash ≈ HK$138K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,307
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$172/mo
Today · 4.125%
HK$6,648
baseline
▲ 0.50% · 4.625%
HK$6,998
+HK$350/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$13,296/mo (50% DSR)
Upfront cash ≈ HK$138K (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).