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$3,161
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,260
−HK$100/mo
Today · 4.125%
HK$3,360
baseline
▲ 0.50% · 4.625%
HK$3,564
+HK$204/mo
Deposit HK$693K · loan HK$693K · min. income ≈ HK$6,720/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$3,517
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,611
−HK$96/mo
Today · 4.125%
HK$3,707
baseline
▲ 0.50% · 4.625%
HK$3,902
+HK$195/mo
Deposit HK$693K · loan HK$693K · min. income ≈ HK$7,414/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$3,794
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,912
−HK$120/mo
Today · 4.125%
HK$4,032
baseline
▲ 0.50% · 4.625%
HK$4,277
+HK$245/mo
Deposit HK$555K · loan HK$832K · min. income ≈ HK$8,064/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$4,220
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,334
−HK$114/mo
Today · 4.125%
HK$4,448
baseline
▲ 0.50% · 4.625%
HK$4,683
+HK$235/mo
Deposit HK$555K · loan HK$832K · min. income ≈ HK$8,896/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$4,426
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$139/mo
Today · 4.125%
HK$4,703
baseline
▲ 0.50% · 4.625%
HK$4,990
+HK$287/mo
Deposit HK$416K · loan HK$970K · min. income ≈ HK$9,406/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$4,924
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,056
−HK$134/mo
Today · 4.125%
HK$5,190
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$273/mo
Deposit HK$416K · loan HK$970K · min. income ≈ HK$10,380/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$5,690
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$179/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,415
+HK$368/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,094/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$6,331
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$173/mo
Today · 4.125%
HK$6,673
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$351/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,346/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).