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$3,237
−HK$99/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$4,247
+HK$244/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$4,191
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,303
−HK$114/mo
Today · 4.125%
HK$4,417
baseline
▲ 0.50% · 4.625%
HK$4,650
+HK$233/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$4,395
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,532
−HK$139/mo
Today · 4.125%
HK$4,671
baseline
▲ 0.50% · 4.625%
HK$4,955
+HK$284/mo
Deposit HK$413K · loan HK$964K · min. income ≈ HK$9,342/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$265/mo
▼ 0.25% · 3.875%
HK$5,021
−HK$133/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,425
+HK$271/mo
Deposit HK$413K · loan HK$964K · min. income ≈ HK$10,308/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$5,651
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$179/mo
Today · 4.125%
HK$6,005
baseline
▲ 0.50% · 4.625%
HK$6,370
+HK$365/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$12,010/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$6,286
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,455
−HK$171/mo
Today · 4.125%
HK$6,626
baseline
▲ 0.50% · 4.625%
HK$6,975
+HK$349/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$13,252/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).