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$3,216
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,316
−HK$102/mo
Today · 4.125%
HK$3,418
baseline
▲ 0.50% · 4.625%
HK$3,626
+HK$208/mo
Deposit HK$705K · loan HK$705K · min. income ≈ HK$6,836/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,578
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,674
−HK$97/mo
Today · 4.125%
HK$3,771
baseline
▲ 0.50% · 4.625%
HK$3,970
+HK$199/mo
Deposit HK$705K · loan HK$705K · min. income ≈ HK$7,542/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,859
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,979
−HK$122/mo
Today · 4.125%
HK$4,101
baseline
▲ 0.50% · 4.625%
HK$4,351
+HK$250/mo
Deposit HK$564K · loan HK$846K · min. income ≈ HK$8,202/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,293
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,408
−HK$117/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,764
+HK$239/mo
Deposit HK$564K · loan HK$846K · min. income ≈ HK$9,050/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,502
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,642
−HK$143/mo
Today · 4.125%
HK$4,785
baseline
▲ 0.50% · 4.625%
HK$5,076
+HK$291/mo
Deposit HK$423K · loan HK$987K · min. income ≈ HK$9,570/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,009
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,143
−HK$136/mo
Today · 4.125%
HK$5,279
baseline
▲ 0.50% · 4.625%
HK$5,558
+HK$279/mo
Deposit HK$423K · loan HK$987K · min. income ≈ HK$10,558/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,789
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,969
−HK$183/mo
Today · 4.125%
HK$6,152
baseline
▲ 0.50% · 4.625%
HK$6,526
+HK$374/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,304/mo (50% DSR)
Upfront cash ≈ HK$141K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,440
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,612
−HK$176/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,145
+HK$357/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,576/mo (50% DSR)
Upfront cash ≈ HK$141K (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).