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$3,245
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,346
−HK$103/mo
Today · 4.125%
HK$3,449
baseline
▲ 0.50% · 4.625%
HK$3,659
+HK$210/mo
Deposit HK$712K · loan HK$712K · min. income ≈ HK$6,898/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,610
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,707
−HK$98/mo
Today · 4.125%
HK$3,805
baseline
▲ 0.50% · 4.625%
HK$4,006
+HK$201/mo
Deposit HK$712K · loan HK$712K · min. income ≈ HK$7,610/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,894
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,015
−HK$124/mo
Today · 4.125%
HK$4,139
baseline
▲ 0.50% · 4.625%
HK$4,390
+HK$251/mo
Deposit HK$569K · loan HK$854K · min. income ≈ HK$8,278/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,332
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,449
−HK$117/mo
Today · 4.125%
HK$4,566
baseline
▲ 0.50% · 4.625%
HK$4,807
+HK$241/mo
Deposit HK$569K · loan HK$854K · min. income ≈ HK$9,132/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,543
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,685
−HK$143/mo
Today · 4.125%
HK$4,828
baseline
▲ 0.50% · 4.625%
HK$5,122
+HK$294/mo
Deposit HK$427K · loan HK$996K · min. income ≈ HK$9,656/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,054
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,190
−HK$138/mo
Today · 4.125%
HK$5,328
baseline
▲ 0.50% · 4.625%
HK$5,608
+HK$280/mo
Deposit HK$427K · loan HK$996K · min. income ≈ HK$10,656/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,841
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$185/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,586
+HK$378/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,416/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$6,499
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$177/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,211
+HK$361/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,700/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).