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$3,166
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,264
−HK$100/mo
Today · 4.125%
HK$3,364
baseline
▲ 0.50% · 4.625%
HK$3,569
+HK$205/mo
Deposit HK$694K · loan HK$694K · min. income ≈ HK$6,728/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,522
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,616
−HK$96/mo
Today · 4.125%
HK$3,712
baseline
▲ 0.50% · 4.625%
HK$3,908
+HK$196/mo
Deposit HK$694K · loan HK$694K · min. income ≈ HK$7,424/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,799
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,917
−HK$120/mo
Today · 4.125%
HK$4,037
baseline
▲ 0.50% · 4.625%
HK$4,283
+HK$246/mo
Deposit HK$555K · loan HK$833K · min. income ≈ HK$8,074/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,226
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,340
−HK$115/mo
Today · 4.125%
HK$4,455
baseline
▲ 0.50% · 4.625%
HK$4,689
+HK$234/mo
Deposit HK$555K · loan HK$833K · min. income ≈ HK$8,910/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,432
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,570
−HK$140/mo
Today · 4.125%
HK$4,710
baseline
▲ 0.50% · 4.625%
HK$4,997
+HK$287/mo
Deposit HK$417K · loan HK$972K · min. income ≈ HK$9,420/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,931
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,063
−HK$134/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,471
+HK$274/mo
Deposit HK$417K · loan HK$972K · min. income ≈ HK$10,394/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,698
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,876
−HK$180/mo
Today · 4.125%
HK$6,056
baseline
▲ 0.50% · 4.625%
HK$6,424
+HK$368/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,112/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$6,339
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$173/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$352/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,364/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).