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$205/mo
▼ 0.25% · 3.875%
HK$3,357
−HK$103/mo
Today · 4.125%
HK$3,460
baseline
▲ 0.50% · 4.625%
HK$3,670
+HK$210/mo
Deposit HK$714K · loan HK$714K · min. income ≈ HK$6,920/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$3,622
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,719
−HK$98/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$4,028
−HK$123/mo
Today · 4.125%
HK$4,151
baseline
▲ 0.50% · 4.625%
HK$4,404
+HK$253/mo
Deposit HK$571K · loan HK$857K · 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$4,346
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,462
−HK$119/mo
Today · 4.125%
HK$4,581
baseline
▲ 0.50% · 4.625%
HK$4,822
+HK$241/mo
Deposit HK$571K · loan HK$857K · min. income ≈ HK$9,162/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$4,558
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,699
−HK$144/mo
Today · 4.125%
HK$4,843
baseline
▲ 0.50% · 4.625%
HK$5,138
+HK$295/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$5,070
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,206
−HK$138/mo
Today · 4.125%
HK$5,344
baseline
▲ 0.50% · 4.625%
HK$5,626
+HK$282/mo
Deposit HK$428K · loan HK$999K · min. income ≈ HK$10,688/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$5,860
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$185/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,606
+HK$379/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$12,454/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$6,519
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$177/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,233
+HK$362/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$13,742/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).