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$3,067
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,162
−HK$97/mo
Today · 4.125%
HK$3,259
baseline
▲ 0.50% · 4.625%
HK$3,457
+HK$198/mo
Deposit HK$672K · loan HK$672K · min. income ≈ HK$6,518/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,412
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,503
−HK$93/mo
Today · 4.125%
HK$3,596
baseline
▲ 0.50% · 4.625%
HK$3,785
+HK$189/mo
Deposit HK$672K · loan HK$672K · min. income ≈ HK$7,192/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,680
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,794
−HK$117/mo
Today · 4.125%
HK$3,911
baseline
▲ 0.50% · 4.625%
HK$4,149
+HK$238/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$7,822/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,094
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,204
−HK$111/mo
Today · 4.125%
HK$4,315
baseline
▲ 0.50% · 4.625%
HK$4,542
+HK$227/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$8,630/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,293
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,427
−HK$135/mo
Today · 4.125%
HK$4,562
baseline
▲ 0.50% · 4.625%
HK$4,840
+HK$278/mo
Deposit HK$403K · loan HK$941K · min. income ≈ HK$9,124/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,776
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$130/mo
Today · 4.125%
HK$5,034
baseline
▲ 0.50% · 4.625%
HK$5,300
+HK$266/mo
Deposit HK$403K · loan HK$941K · min. income ≈ HK$10,068/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,520
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,691
−HK$175/mo
Today · 4.125%
HK$5,866
baseline
▲ 0.50% · 4.625%
HK$6,223
+HK$357/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$11,732/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$6,141
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$167/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$342/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$12,944/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).