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$3,030
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,125
−HK$95/mo
Today · 4.125%
HK$3,220
baseline
▲ 0.50% · 4.625%
HK$3,416
+HK$196/mo
Deposit HK$664K · loan HK$664K · min. income ≈ HK$6,440/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,371
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,462
−HK$91/mo
Today · 4.125%
HK$3,553
baseline
▲ 0.50% · 4.625%
HK$3,741
+HK$188/mo
Deposit HK$664K · loan HK$664K · min. income ≈ HK$7,106/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,636
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,750
−HK$114/mo
Today · 4.125%
HK$3,864
baseline
▲ 0.50% · 4.625%
HK$4,100
+HK$236/mo
Deposit HK$532K · loan HK$797K · min. income ≈ HK$7,728/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,046
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,154
−HK$110/mo
Today · 4.125%
HK$4,264
baseline
▲ 0.50% · 4.625%
HK$4,489
+HK$225/mo
Deposit HK$532K · loan HK$797K · min. income ≈ HK$8,528/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,243
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,375
−HK$134/mo
Today · 4.125%
HK$4,509
baseline
▲ 0.50% · 4.625%
HK$4,783
+HK$274/mo
Deposit HK$399K · loan HK$930K · min. income ≈ HK$9,018/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,720
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,846
−HK$129/mo
Today · 4.125%
HK$4,975
baseline
▲ 0.50% · 4.625%
HK$5,237
+HK$262/mo
Deposit HK$399K · loan HK$930K · min. income ≈ HK$9,950/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,455
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,624
−HK$173/mo
Today · 4.125%
HK$5,797
baseline
▲ 0.50% · 4.625%
HK$6,149
+HK$352/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$11,594/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$6,068
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,231
−HK$165/mo
Today · 4.125%
HK$6,396
baseline
▲ 0.50% · 4.625%
HK$6,733
+HK$337/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$12,792/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).