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$3,240
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,341
−HK$102/mo
Today · 4.125%
HK$3,443
baseline
▲ 0.50% · 4.625%
HK$3,653
+HK$210/mo
Deposit HK$710K · loan HK$710K · min. income ≈ HK$6,886/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,604
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,701
−HK$98/mo
Today · 4.125%
HK$3,799
baseline
▲ 0.50% · 4.625%
HK$3,999
+HK$200/mo
Deposit HK$710K · loan HK$710K · min. income ≈ HK$7,598/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,888
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,009
−HK$123/mo
Today · 4.125%
HK$4,132
baseline
▲ 0.50% · 4.625%
HK$4,383
+HK$251/mo
Deposit HK$568K · loan HK$852K · min. income ≈ HK$8,264/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,325
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,441
−HK$118/mo
Today · 4.125%
HK$4,559
baseline
▲ 0.50% · 4.625%
HK$4,799
+HK$240/mo
Deposit HK$568K · loan HK$852K · min. income ≈ HK$9,118/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,536
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,677
−HK$143/mo
Today · 4.125%
HK$4,820
baseline
▲ 0.50% · 4.625%
HK$5,114
+HK$294/mo
Deposit HK$426K · loan HK$995K · min. income ≈ HK$9,640/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,046
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,181
−HK$138/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,599
+HK$280/mo
Deposit HK$426K · loan HK$995K · min. income ≈ HK$10,638/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,832
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$184/mo
Today · 4.125%
HK$6,197
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$378/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,394/mo (50% DSR)
Upfront cash ≈ HK$142K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,488
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$176/mo
Today · 4.125%
HK$6,838
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$361/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,676/mo (50% DSR)
Upfront cash ≈ HK$142K (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).