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$3,075
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,170
−HK$97/mo
Today · 4.125%
HK$3,267
baseline
▲ 0.50% · 4.625%
HK$3,466
+HK$199/mo
Deposit HK$674K · loan HK$674K · min. income ≈ HK$6,534/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,420
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,512
−HK$93/mo
Today · 4.125%
HK$3,605
baseline
▲ 0.50% · 4.625%
HK$3,795
+HK$190/mo
Deposit HK$674K · loan HK$674K · min. income ≈ HK$7,210/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,690
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,804
−HK$117/mo
Today · 4.125%
HK$3,921
baseline
▲ 0.50% · 4.625%
HK$4,159
+HK$238/mo
Deposit HK$539K · loan HK$809K · min. income ≈ HK$7,842/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,105
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,215
−HK$111/mo
Today · 4.125%
HK$4,326
baseline
▲ 0.50% · 4.625%
HK$4,554
+HK$228/mo
Deposit HK$539K · loan HK$809K · min. income ≈ HK$8,652/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,304
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,438
−HK$136/mo
Today · 4.125%
HK$4,574
baseline
▲ 0.50% · 4.625%
HK$4,853
+HK$279/mo
Deposit HK$405K · loan HK$944K · min. income ≈ HK$9,148/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,789
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$130/mo
Today · 4.125%
HK$5,047
baseline
▲ 0.50% · 4.625%
HK$5,313
+HK$266/mo
Deposit HK$405K · loan HK$944K · min. income ≈ HK$10,094/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,534
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,706
−HK$175/mo
Today · 4.125%
HK$5,881
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$358/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,762/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$6,157
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$167/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,832
+HK$343/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,978/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).