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$3,040
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,134
−HK$96/mo
Today · 4.125%
HK$3,230
baseline
▲ 0.50% · 4.625%
HK$3,427
+HK$197/mo
Deposit HK$667K · loan HK$667K · min. income ≈ HK$6,460/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,382
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,472
−HK$92/mo
Today · 4.125%
HK$3,564
baseline
▲ 0.50% · 4.625%
HK$3,752
+HK$188/mo
Deposit HK$667K · loan HK$667K · min. income ≈ HK$7,128/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,648
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,761
−HK$115/mo
Today · 4.125%
HK$3,876
baseline
▲ 0.50% · 4.625%
HK$4,112
+HK$236/mo
Deposit HK$533K · loan HK$800K · min. income ≈ HK$7,752/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,058
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$110/mo
Today · 4.125%
HK$4,277
baseline
▲ 0.50% · 4.625%
HK$4,503
+HK$226/mo
Deposit HK$533K · loan HK$800K · min. income ≈ HK$8,554/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,255
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,388
−HK$134/mo
Today · 4.125%
HK$4,522
baseline
▲ 0.50% · 4.625%
HK$4,798
+HK$276/mo
Deposit HK$400K · loan HK$933K · min. income ≈ HK$9,044/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,734
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,861
−HK$129/mo
Today · 4.125%
HK$4,990
baseline
▲ 0.50% · 4.625%
HK$5,253
+HK$263/mo
Deposit HK$400K · loan HK$933K · min. income ≈ HK$9,980/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,471
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,642
−HK$172/mo
Today · 4.125%
HK$5,814
baseline
▲ 0.50% · 4.625%
HK$6,168
+HK$354/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$11,628/mo (50% DSR)
Upfront cash ≈ HK$133K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,087
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,250
−HK$166/mo
Today · 4.125%
HK$6,416
baseline
▲ 0.50% · 4.625%
HK$6,754
+HK$338/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$12,832/mo (50% DSR)
Upfront cash ≈ HK$133K (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).