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$3,068
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,163
−HK$97/mo
Today · 4.125%
HK$3,260
baseline
▲ 0.50% · 4.625%
HK$3,459
+HK$199/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$6,520/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,413
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,504
−HK$93/mo
Today · 4.125%
HK$3,597
baseline
▲ 0.50% · 4.625%
HK$3,787
+HK$190/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$7,194/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,681
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,796
−HK$116/mo
Today · 4.125%
HK$3,912
baseline
▲ 0.50% · 4.625%
HK$4,150
+HK$238/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$7,824/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,095
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,205
−HK$112/mo
Today · 4.125%
HK$4,317
baseline
▲ 0.50% · 4.625%
HK$4,544
+HK$227/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$8,634/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,295
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,428
−HK$136/mo
Today · 4.125%
HK$4,564
baseline
▲ 0.50% · 4.625%
HK$4,842
+HK$278/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$9,128/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,778
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,906
−HK$130/mo
Today · 4.125%
HK$5,036
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$266/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$10,072/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,522
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$174/mo
Today · 4.125%
HK$5,868
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$357/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,736/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,143
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$167/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,816
+HK$341/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,950/mo (50% DSR)
Upfront cash ≈ HK$135K (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).