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$3,159
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,257
−HK$100/mo
Today · 4.125%
HK$3,357
baseline
▲ 0.50% · 4.625%
HK$3,562
+HK$205/mo
Deposit HK$693K · loan HK$693K · min. income ≈ HK$6,714/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,514
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,609
−HK$95/mo
Today · 4.125%
HK$3,704
baseline
▲ 0.50% · 4.625%
HK$3,900
+HK$196/mo
Deposit HK$693K · loan HK$693K · min. income ≈ HK$7,408/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,791
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,909
−HK$120/mo
Today · 4.125%
HK$4,029
baseline
▲ 0.50% · 4.625%
HK$4,274
+HK$245/mo
Deposit HK$554K · loan HK$831K · min. income ≈ HK$8,058/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,217
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,331
−HK$114/mo
Today · 4.125%
HK$4,445
baseline
▲ 0.50% · 4.625%
HK$4,680
+HK$235/mo
Deposit HK$554K · loan HK$831K · min. income ≈ HK$8,890/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,423
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,560
−HK$140/mo
Today · 4.125%
HK$4,700
baseline
▲ 0.50% · 4.625%
HK$4,986
+HK$286/mo
Deposit HK$416K · loan HK$970K · min. income ≈ HK$9,400/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,920
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,052
−HK$134/mo
Today · 4.125%
HK$5,186
baseline
▲ 0.50% · 4.625%
HK$5,459
+HK$273/mo
Deposit HK$416K · loan HK$970K · min. income ≈ HK$10,372/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,686
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$180/mo
Today · 4.125%
HK$6,043
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$368/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,086/mo (50% DSR)
Upfront cash ≈ HK$139K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,326
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,496
−HK$172/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$351/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,336/mo (50% DSR)
Upfront cash ≈ HK$139K (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).