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$3,247
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,348
−HK$103/mo
Today · 4.125%
HK$3,451
baseline
▲ 0.50% · 4.625%
HK$3,661
+HK$210/mo
Deposit HK$712K · loan HK$712K · min. income ≈ HK$6,902/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,613
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,710
−HK$98/mo
Today · 4.125%
HK$3,808
baseline
▲ 0.50% · 4.625%
HK$4,009
+HK$201/mo
Deposit HK$712K · loan HK$712K · min. income ≈ HK$7,616/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,897
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,018
−HK$123/mo
Today · 4.125%
HK$4,141
baseline
▲ 0.50% · 4.625%
HK$4,393
+HK$252/mo
Deposit HK$570K · loan HK$854K · min. income ≈ HK$8,282/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,452
−HK$118/mo
Today · 4.125%
HK$4,570
baseline
▲ 0.50% · 4.625%
HK$4,810
+HK$240/mo
Deposit HK$570K · loan HK$854K · min. income ≈ HK$9,140/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,546
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,688
−HK$144/mo
Today · 4.125%
HK$4,832
baseline
▲ 0.50% · 4.625%
HK$5,126
+HK$294/mo
Deposit HK$427K · loan HK$997K · min. income ≈ HK$9,664/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,058
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,194
−HK$137/mo
Today · 4.125%
HK$5,331
baseline
▲ 0.50% · 4.625%
HK$5,612
+HK$281/mo
Deposit HK$427K · loan HK$997K · min. income ≈ HK$10,662/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,845
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,027
−HK$185/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$378/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,424/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,503
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$177/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$362/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,708/mo (50% DSR)
Upfront cash ≈ HK$143K (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).