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$3,021
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,115
−HK$96/mo
Today · 4.125%
HK$3,211
baseline
▲ 0.50% · 4.625%
HK$3,406
+HK$195/mo
Deposit HK$663K · loan HK$663K · min. income ≈ HK$6,422/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,361
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,451
−HK$92/mo
Today · 4.125%
HK$3,543
baseline
▲ 0.50% · 4.625%
HK$3,730
+HK$187/mo
Deposit HK$663K · loan HK$663K · min. income ≈ HK$7,086/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,626
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,738
−HK$115/mo
Today · 4.125%
HK$3,853
baseline
▲ 0.50% · 4.625%
HK$4,087
+HK$234/mo
Deposit HK$530K · loan HK$795K · min. income ≈ HK$7,706/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,033
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,142
−HK$109/mo
Today · 4.125%
HK$4,251
baseline
▲ 0.50% · 4.625%
HK$4,475
+HK$224/mo
Deposit HK$530K · loan HK$795K · min. income ≈ HK$8,502/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,230
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,361
−HK$134/mo
Today · 4.125%
HK$4,495
baseline
▲ 0.50% · 4.625%
HK$4,769
+HK$274/mo
Deposit HK$398K · loan HK$928K · min. income ≈ HK$8,990/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,706
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$128/mo
Today · 4.125%
HK$4,960
baseline
▲ 0.50% · 4.625%
HK$5,221
+HK$261/mo
Deposit HK$398K · loan HK$928K · min. income ≈ HK$9,920/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,438
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,608
−HK$171/mo
Today · 4.125%
HK$5,779
baseline
▲ 0.50% · 4.625%
HK$6,131
+HK$352/mo
Deposit HK$133K · loan HK$1.19M · min. income ≈ HK$11,558/mo (50% DSR)
Upfront cash ≈ HK$133K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,050
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,212
−HK$165/mo
Today · 4.125%
HK$6,377
baseline
▲ 0.50% · 4.625%
HK$6,713
+HK$336/mo
Deposit HK$133K · loan HK$1.19M · min. income ≈ HK$12,754/mo (50% DSR)
Upfront cash ≈ HK$133K (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).