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$3,213
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,313
−HK$102/mo
Today · 4.125%
HK$3,415
baseline
▲ 0.50% · 4.625%
HK$3,623
+HK$208/mo
Deposit HK$705K · loan HK$705K · min. income ≈ HK$6,830/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,575
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,671
−HK$97/mo
Today · 4.125%
HK$3,768
baseline
▲ 0.50% · 4.625%
HK$3,967
+HK$199/mo
Deposit HK$705K · loan HK$705K · min. income ≈ HK$7,536/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,856
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,976
−HK$122/mo
Today · 4.125%
HK$4,098
baseline
▲ 0.50% · 4.625%
HK$4,347
+HK$249/mo
Deposit HK$564K · loan HK$846K · min. income ≈ HK$8,196/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,290
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,405
−HK$117/mo
Today · 4.125%
HK$4,522
baseline
▲ 0.50% · 4.625%
HK$4,760
+HK$238/mo
Deposit HK$564K · loan HK$846K · min. income ≈ HK$9,044/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,499
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,639
−HK$142/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,072
+HK$291/mo
Deposit HK$423K · loan HK$986K · min. income ≈ HK$9,562/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,005
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$136/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,553
+HK$278/mo
Deposit HK$423K · loan HK$986K · min. income ≈ HK$10,550/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,784
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$183/mo
Today · 4.125%
HK$6,147
baseline
▲ 0.50% · 4.625%
HK$6,521
+HK$374/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,294/mo (50% DSR)
Upfront cash ≈ HK$141K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,435
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$176/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$357/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,566/mo (50% DSR)
Upfront cash ≈ HK$141K (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).