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$3,002
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,095
−HK$95/mo
Today · 4.125%
HK$3,190
baseline
▲ 0.50% · 4.625%
HK$3,384
+HK$194/mo
Deposit HK$658K · loan HK$658K · min. income ≈ HK$6,380/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,340
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,429
−HK$91/mo
Today · 4.125%
HK$3,520
baseline
▲ 0.50% · 4.625%
HK$3,706
+HK$186/mo
Deposit HK$658K · loan HK$658K · min. income ≈ HK$7,040/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,602
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,714
−HK$114/mo
Today · 4.125%
HK$3,828
baseline
▲ 0.50% · 4.625%
HK$4,061
+HK$233/mo
Deposit HK$527K · loan HK$790K · min. income ≈ HK$7,656/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,007
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,115
−HK$109/mo
Today · 4.125%
HK$4,224
baseline
▲ 0.50% · 4.625%
HK$4,447
+HK$223/mo
Deposit HK$527K · loan HK$790K · min. income ≈ HK$8,448/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,203
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,333
−HK$133/mo
Today · 4.125%
HK$4,466
baseline
▲ 0.50% · 4.625%
HK$4,738
+HK$272/mo
Deposit HK$395K · loan HK$922K · min. income ≈ HK$8,932/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,675
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,801
−HK$127/mo
Today · 4.125%
HK$4,928
baseline
▲ 0.50% · 4.625%
HK$5,188
+HK$260/mo
Deposit HK$395K · loan HK$922K · min. income ≈ HK$9,856/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,403
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,571
−HK$171/mo
Today · 4.125%
HK$5,742
baseline
▲ 0.50% · 4.625%
HK$6,092
+HK$350/mo
Deposit HK$132K · loan HK$1.18M · min. income ≈ HK$11,484/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,011
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,172
−HK$164/mo
Today · 4.125%
HK$6,336
baseline
▲ 0.50% · 4.625%
HK$6,670
+HK$334/mo
Deposit HK$132K · loan HK$1.18M · min. income ≈ HK$12,672/mo (50% DSR)
Upfront cash ≈ HK$132K (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).