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$3,015
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,109
−HK$96/mo
Today · 4.125%
HK$3,205
baseline
▲ 0.50% · 4.625%
HK$3,400
+HK$195/mo
Deposit HK$661K · loan HK$661K · min. income ≈ HK$6,410/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,355
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,445
−HK$91/mo
Today · 4.125%
HK$3,536
baseline
▲ 0.50% · 4.625%
HK$3,722
+HK$186/mo
Deposit HK$661K · loan HK$661K · min. income ≈ HK$7,072/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,619
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,731
−HK$114/mo
Today · 4.125%
HK$3,845
baseline
▲ 0.50% · 4.625%
HK$4,079
+HK$234/mo
Deposit HK$529K · loan HK$793K · min. income ≈ HK$7,690/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,026
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,134
−HK$109/mo
Today · 4.125%
HK$4,243
baseline
▲ 0.50% · 4.625%
HK$4,467
+HK$224/mo
Deposit HK$529K · loan HK$793K · min. income ≈ HK$8,486/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,222
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,353
−HK$133/mo
Today · 4.125%
HK$4,486
baseline
▲ 0.50% · 4.625%
HK$4,759
+HK$273/mo
Deposit HK$397K · loan HK$926K · min. income ≈ HK$8,972/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,697
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,822
−HK$128/mo
Today · 4.125%
HK$4,950
baseline
▲ 0.50% · 4.625%
HK$5,211
+HK$261/mo
Deposit HK$397K · loan HK$926K · min. income ≈ HK$9,900/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,428
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$171/mo
Today · 4.125%
HK$5,768
baseline
▲ 0.50% · 4.625%
HK$6,119
+HK$351/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,536/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$6,038
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$165/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,700
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,730/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).