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$3,235
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,336
−HK$102/mo
Today · 4.125%
HK$3,438
baseline
▲ 0.50% · 4.625%
HK$3,647
+HK$209/mo
Deposit HK$709K · loan HK$709K · min. income ≈ HK$6,876/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,599
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,696
−HK$98/mo
Today · 4.125%
HK$3,794
baseline
▲ 0.50% · 4.625%
HK$3,994
+HK$200/mo
Deposit HK$709K · loan HK$709K · min. income ≈ HK$7,588/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,882
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,003
−HK$123/mo
Today · 4.125%
HK$4,126
baseline
▲ 0.50% · 4.625%
HK$4,377
+HK$251/mo
Deposit HK$568K · loan HK$851K · min. income ≈ HK$8,252/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,319
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,435
−HK$117/mo
Today · 4.125%
HK$4,552
baseline
▲ 0.50% · 4.625%
HK$4,792
+HK$240/mo
Deposit HK$568K · loan HK$851K · min. income ≈ HK$9,104/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,529
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,670
−HK$143/mo
Today · 4.125%
HK$4,813
baseline
▲ 0.50% · 4.625%
HK$5,106
+HK$293/mo
Deposit HK$426K · loan HK$993K · min. income ≈ HK$9,626/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,174
−HK$137/mo
Today · 4.125%
HK$5,311
baseline
▲ 0.50% · 4.625%
HK$5,591
+HK$280/mo
Deposit HK$426K · loan HK$993K · min. income ≈ HK$10,622/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,823
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$184/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,565
+HK$376/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,378/mo (50% DSR)
Upfront cash ≈ HK$142K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,479
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,652
−HK$177/mo
Today · 4.125%
HK$6,829
baseline
▲ 0.50% · 4.625%
HK$7,188
+HK$359/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,658/mo (50% DSR)
Upfront cash ≈ HK$142K (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).