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$3,135
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,232
−HK$99/mo
Today · 4.125%
HK$3,331
baseline
▲ 0.50% · 4.625%
HK$3,534
+HK$203/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$6,662/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,487
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,581
−HK$95/mo
Today · 4.125%
HK$3,676
baseline
▲ 0.50% · 4.625%
HK$3,869
+HK$193/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$7,352/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,762
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,879
−HK$119/mo
Today · 4.125%
HK$3,998
baseline
▲ 0.50% · 4.625%
HK$4,241
+HK$243/mo
Deposit HK$550K · loan HK$825K · min. income ≈ HK$7,996/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,185
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,297
−HK$114/mo
Today · 4.125%
HK$4,411
baseline
▲ 0.50% · 4.625%
HK$4,643
+HK$232/mo
Deposit HK$550K · loan HK$825K · min. income ≈ HK$8,822/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,389
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,525
−HK$139/mo
Today · 4.125%
HK$4,664
baseline
▲ 0.50% · 4.625%
HK$4,948
+HK$284/mo
Deposit HK$412K · loan HK$962K · min. income ≈ HK$9,328/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,882
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,013
−HK$133/mo
Today · 4.125%
HK$5,146
baseline
▲ 0.50% · 4.625%
HK$5,417
+HK$271/mo
Deposit HK$412K · loan HK$962K · min. income ≈ HK$10,292/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,642
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$178/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,361
+HK$365/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$11,992/mo (50% DSR)
Upfront cash ≈ HK$138K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,277
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,446
−HK$170/mo
Today · 4.125%
HK$6,616
baseline
▲ 0.50% · 4.625%
HK$6,965
+HK$349/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$13,232/mo (50% DSR)
Upfront cash ≈ HK$138K (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).