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$3,139
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,236
−HK$100/mo
Today · 4.125%
HK$3,336
baseline
▲ 0.50% · 4.625%
HK$3,539
+HK$203/mo
Deposit HK$688K · loan HK$688K · min. income ≈ HK$6,672/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,492
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,586
−HK$95/mo
Today · 4.125%
HK$3,681
baseline
▲ 0.50% · 4.625%
HK$3,875
+HK$194/mo
Deposit HK$688K · loan HK$688K · min. income ≈ HK$7,362/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,767
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,884
−HK$119/mo
Today · 4.125%
HK$4,003
baseline
▲ 0.50% · 4.625%
HK$4,246
+HK$243/mo
Deposit HK$551K · loan HK$826K · min. income ≈ HK$8,006/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,190
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,303
−HK$114/mo
Today · 4.125%
HK$4,417
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$232/mo
Deposit HK$551K · loan HK$826K · min. income ≈ HK$8,834/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,394
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,531
−HK$139/mo
Today · 4.125%
HK$4,670
baseline
▲ 0.50% · 4.625%
HK$4,954
+HK$284/mo
Deposit HK$413K · loan HK$964K · min. income ≈ HK$9,340/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,889
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,020
−HK$133/mo
Today · 4.125%
HK$5,153
baseline
▲ 0.50% · 4.625%
HK$5,424
+HK$271/mo
Deposit HK$413K · loan HK$964K · min. income ≈ HK$10,306/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,650
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$178/mo
Today · 4.125%
HK$6,004
baseline
▲ 0.50% · 4.625%
HK$6,369
+HK$365/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$12,008/mo (50% DSR)
Upfront cash ≈ HK$138K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,285
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$171/mo
Today · 4.125%
HK$6,625
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$349/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$13,250/mo (50% DSR)
Upfront cash ≈ HK$138K (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).