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$3,252
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,353
−HK$103/mo
Today · 4.125%
HK$3,456
baseline
▲ 0.50% · 4.625%
HK$3,666
+HK$210/mo
Deposit HK$713K · loan HK$713K · min. income ≈ HK$6,912/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,618
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,715
−HK$98/mo
Today · 4.125%
HK$3,813
baseline
▲ 0.50% · 4.625%
HK$4,014
+HK$201/mo
Deposit HK$713K · loan HK$713K · min. income ≈ HK$7,626/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,902
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,023
−HK$124/mo
Today · 4.125%
HK$4,147
baseline
▲ 0.50% · 4.625%
HK$4,399
+HK$252/mo
Deposit HK$570K · loan HK$856K · min. income ≈ HK$8,294/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$4,341
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,457
−HK$119/mo
Today · 4.125%
HK$4,576
baseline
▲ 0.50% · 4.625%
HK$4,817
+HK$241/mo
Deposit HK$570K · loan HK$856K · min. income ≈ HK$9,152/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$4,552
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,694
−HK$144/mo
Today · 4.125%
HK$4,838
baseline
▲ 0.50% · 4.625%
HK$5,132
+HK$294/mo
Deposit HK$428K · loan HK$998K · min. income ≈ HK$9,676/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$5,065
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,200
−HK$138/mo
Today · 4.125%
HK$5,338
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$282/mo
Deposit HK$428K · loan HK$998K · min. income ≈ HK$10,676/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$5,853
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,035
−HK$185/mo
Today · 4.125%
HK$6,220
baseline
▲ 0.50% · 4.625%
HK$6,599
+HK$379/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$12,440/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$6,512
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,686
−HK$177/mo
Today · 4.125%
HK$6,863
baseline
▲ 0.50% · 4.625%
HK$7,225
+HK$362/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$13,726/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).