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$3,068
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,164
−HK$97/mo
Today · 4.125%
HK$3,261
baseline
▲ 0.50% · 4.625%
HK$3,459
+HK$198/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$6,522/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,414
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,505
−HK$93/mo
Today · 4.125%
HK$3,598
baseline
▲ 0.50% · 4.625%
HK$3,788
+HK$190/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$7,196/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,682
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,797
−HK$116/mo
Today · 4.125%
HK$3,913
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$238/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$7,826/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,096
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,206
−HK$112/mo
Today · 4.125%
HK$4,318
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$227/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$8,636/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,296
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$136/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,843
+HK$278/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,779
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$130/mo
Today · 4.125%
HK$5,037
baseline
▲ 0.50% · 4.625%
HK$5,303
+HK$266/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$10,074/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,523
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$175/mo
Today · 4.125%
HK$5,870
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$357/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,740/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,145
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$167/mo
Today · 4.125%
HK$6,476
baseline
▲ 0.50% · 4.625%
HK$6,818
+HK$342/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,952/mo (50% DSR)
Upfront cash ≈ HK$135K (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).