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$3,255
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,356
−HK$103/mo
Today · 4.125%
HK$3,459
baseline
▲ 0.50% · 4.625%
HK$3,669
+HK$210/mo
Deposit HK$714K · loan HK$714K · min. income ≈ HK$6,918/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,621
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,718
−HK$99/mo
Today · 4.125%
HK$3,817
baseline
▲ 0.50% · 4.625%
HK$4,018
+HK$201/mo
Deposit HK$714K · loan HK$714K · min. income ≈ HK$7,634/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,906
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,027
−HK$124/mo
Today · 4.125%
HK$4,151
baseline
▲ 0.50% · 4.625%
HK$4,403
+HK$252/mo
Deposit HK$571K · loan HK$856K · min. income ≈ HK$8,302/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,345
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,462
−HK$118/mo
Today · 4.125%
HK$4,580
baseline
▲ 0.50% · 4.625%
HK$4,821
+HK$241/mo
Deposit HK$571K · loan HK$856K · min. income ≈ HK$9,160/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,557
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,699
−HK$144/mo
Today · 4.125%
HK$4,843
baseline
▲ 0.50% · 4.625%
HK$5,137
+HK$294/mo
Deposit HK$428K · loan HK$999K · min. income ≈ HK$9,686/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,069
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,205
−HK$138/mo
Today · 4.125%
HK$5,343
baseline
▲ 0.50% · 4.625%
HK$5,625
+HK$282/mo
Deposit HK$428K · loan HK$999K · min. income ≈ HK$10,686/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,859
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,041
−HK$185/mo
Today · 4.125%
HK$6,226
baseline
▲ 0.50% · 4.625%
HK$6,605
+HK$379/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$12,452/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$6,518
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$177/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,232
+HK$362/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$13,740/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).