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$3,200
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,300
−HK$101/mo
Today · 4.125%
HK$3,401
baseline
▲ 0.50% · 4.625%
HK$3,608
+HK$207/mo
Deposit HK$702K · loan HK$702K · min. income ≈ HK$6,802/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,560
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,656
−HK$97/mo
Today · 4.125%
HK$3,753
baseline
▲ 0.50% · 4.625%
HK$3,950
+HK$197/mo
Deposit HK$702K · loan HK$702K · min. income ≈ HK$7,506/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,840
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,960
−HK$121/mo
Today · 4.125%
HK$4,081
baseline
▲ 0.50% · 4.625%
HK$4,329
+HK$248/mo
Deposit HK$561K · loan HK$842K · min. income ≈ HK$8,162/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,272
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,387
−HK$116/mo
Today · 4.125%
HK$4,503
baseline
▲ 0.50% · 4.625%
HK$4,740
+HK$237/mo
Deposit HK$561K · loan HK$842K · min. income ≈ HK$9,006/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,480
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,620
−HK$141/mo
Today · 4.125%
HK$4,761
baseline
▲ 0.50% · 4.625%
HK$5,051
+HK$290/mo
Deposit HK$421K · loan HK$982K · min. income ≈ HK$9,522/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,984
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,118
−HK$136/mo
Today · 4.125%
HK$5,254
baseline
▲ 0.50% · 4.625%
HK$5,530
+HK$276/mo
Deposit HK$421K · loan HK$982K · min. income ≈ HK$10,508/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,760
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$182/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,494
+HK$372/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$12,244/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,408
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$175/mo
Today · 4.125%
HK$6,755
baseline
▲ 0.50% · 4.625%
HK$7,111
+HK$356/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$13,510/mo (50% DSR)
Upfront cash ≈ HK$140K (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).