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$3,147
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,245
−HK$99/mo
Today · 4.125%
HK$3,344
baseline
▲ 0.50% · 4.625%
HK$3,548
+HK$204/mo
Deposit HK$690K · loan HK$690K · min. income ≈ HK$6,688/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,501
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,595
−HK$95/mo
Today · 4.125%
HK$3,690
baseline
▲ 0.50% · 4.625%
HK$3,885
+HK$195/mo
Deposit HK$690K · loan HK$690K · min. income ≈ HK$7,380/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,776
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,894
−HK$119/mo
Today · 4.125%
HK$4,013
baseline
▲ 0.50% · 4.625%
HK$4,257
+HK$244/mo
Deposit HK$552K · loan HK$828K · min. income ≈ HK$8,026/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,201
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,314
−HK$114/mo
Today · 4.125%
HK$4,428
baseline
▲ 0.50% · 4.625%
HK$4,661
+HK$233/mo
Deposit HK$552K · loan HK$828K · min. income ≈ HK$8,856/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,406
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,543
−HK$139/mo
Today · 4.125%
HK$4,682
baseline
▲ 0.50% · 4.625%
HK$4,967
+HK$285/mo
Deposit HK$414K · loan HK$966K · min. income ≈ HK$9,364/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$4,901
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,033
−HK$133/mo
Today · 4.125%
HK$5,166
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$272/mo
Deposit HK$414K · loan HK$966K · min. income ≈ HK$10,332/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$5,664
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$179/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$366/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$12,040/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$6,302
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$171/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$6,992
+HK$350/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$13,284/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).