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$3,003
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,097
−HK$95/mo
Today · 4.125%
HK$3,192
baseline
▲ 0.50% · 4.625%
HK$3,386
+HK$194/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$6,384/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,341
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,431
−HK$91/mo
Today · 4.125%
HK$3,522
baseline
▲ 0.50% · 4.625%
HK$3,707
+HK$185/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$7,044/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,604
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,716
−HK$114/mo
Today · 4.125%
HK$3,830
baseline
▲ 0.50% · 4.625%
HK$4,063
+HK$233/mo
Deposit HK$527K · loan HK$790K · min. income ≈ HK$7,660/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,010
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,117
−HK$109/mo
Today · 4.125%
HK$4,226
baseline
▲ 0.50% · 4.625%
HK$4,449
+HK$223/mo
Deposit HK$527K · loan HK$790K · min. income ≈ HK$8,452/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,205
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,336
−HK$132/mo
Today · 4.125%
HK$4,468
baseline
▲ 0.50% · 4.625%
HK$4,740
+HK$272/mo
Deposit HK$395K · loan HK$922K · min. income ≈ HK$8,936/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,678
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,803
−HK$127/mo
Today · 4.125%
HK$4,930
baseline
▲ 0.50% · 4.625%
HK$5,190
+HK$260/mo
Deposit HK$395K · loan HK$922K · min. income ≈ HK$9,860/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,406
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,574
−HK$171/mo
Today · 4.125%
HK$5,745
baseline
▲ 0.50% · 4.625%
HK$6,095
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,490/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,014
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,176
−HK$163/mo
Today · 4.125%
HK$6,339
baseline
▲ 0.50% · 4.625%
HK$6,673
+HK$334/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,678/mo (50% DSR)
Upfront cash ≈ HK$132K (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).