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$3,116
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,213
−HK$98/mo
Today · 4.125%
HK$3,311
baseline
▲ 0.50% · 4.625%
HK$3,513
+HK$202/mo
Deposit HK$683K · loan HK$683K · min. income ≈ HK$6,622/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,466
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,559
−HK$95/mo
Today · 4.125%
HK$3,654
baseline
▲ 0.50% · 4.625%
HK$3,846
+HK$192/mo
Deposit HK$683K · loan HK$683K · min. income ≈ HK$7,308/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,739
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,855
−HK$118/mo
Today · 4.125%
HK$3,973
baseline
▲ 0.50% · 4.625%
HK$4,215
+HK$242/mo
Deposit HK$547K · loan HK$820K · min. income ≈ HK$7,946/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,160
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,271
−HK$113/mo
Today · 4.125%
HK$4,384
baseline
▲ 0.50% · 4.625%
HK$4,615
+HK$231/mo
Deposit HK$547K · loan HK$820K · min. income ≈ HK$8,768/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,362
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,498
−HK$138/mo
Today · 4.125%
HK$4,636
baseline
▲ 0.50% · 4.625%
HK$4,918
+HK$282/mo
Deposit HK$410K · loan HK$957K · min. income ≈ HK$9,272/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,853
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$132/mo
Today · 4.125%
HK$5,115
baseline
▲ 0.50% · 4.625%
HK$5,385
+HK$270/mo
Deposit HK$410K · loan HK$957K · min. income ≈ HK$10,230/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,608
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,783
−HK$177/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,323
+HK$363/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$11,920/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,239
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$169/mo
Today · 4.125%
HK$6,576
baseline
▲ 0.50% · 4.625%
HK$6,923
+HK$347/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$13,152/mo (50% DSR)
Upfront cash ≈ HK$137K (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).