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$3,164
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,263
−HK$100/mo
Today · 4.125%
HK$3,363
baseline
▲ 0.50% · 4.625%
HK$3,567
+HK$204/mo
Deposit HK$694K · loan HK$694K · min. income ≈ HK$6,726/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,520
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,615
−HK$96/mo
Today · 4.125%
HK$3,711
baseline
▲ 0.50% · 4.625%
HK$3,906
+HK$195/mo
Deposit HK$694K · loan HK$694K · min. income ≈ HK$7,422/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,797
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,915
−HK$120/mo
Today · 4.125%
HK$4,035
baseline
▲ 0.50% · 4.625%
HK$4,281
+HK$246/mo
Deposit HK$555K · loan HK$833K · min. income ≈ HK$8,070/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,224
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,338
−HK$115/mo
Today · 4.125%
HK$4,453
baseline
▲ 0.50% · 4.625%
HK$4,687
+HK$234/mo
Deposit HK$555K · loan HK$833K · min. income ≈ HK$8,906/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,430
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,568
−HK$140/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,994
+HK$286/mo
Deposit HK$416K · loan HK$971K · min. income ≈ HK$9,416/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,928
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,061
−HK$134/mo
Today · 4.125%
HK$5,195
baseline
▲ 0.50% · 4.625%
HK$5,469
+HK$274/mo
Deposit HK$416K · loan HK$971K · min. income ≈ HK$10,390/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,696
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$180/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,421
+HK$368/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,106/mo (50% DSR)
Upfront cash ≈ HK$139K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,337
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$172/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$352/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,358/mo (50% DSR)
Upfront cash ≈ HK$139K (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).