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$3,105
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,202
−HK$98/mo
Today · 4.125%
HK$3,300
baseline
▲ 0.50% · 4.625%
HK$3,501
+HK$201/mo
Deposit HK$681K · loan HK$681K · min. income ≈ HK$6,600/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,454
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,547
−HK$94/mo
Today · 4.125%
HK$3,641
baseline
▲ 0.50% · 4.625%
HK$3,833
+HK$192/mo
Deposit HK$681K · loan HK$681K · min. income ≈ HK$7,282/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,726
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,842
−HK$118/mo
Today · 4.125%
HK$3,960
baseline
▲ 0.50% · 4.625%
HK$4,201
+HK$241/mo
Deposit HK$545K · loan HK$817K · min. income ≈ HK$7,920/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,145
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,257
−HK$112/mo
Today · 4.125%
HK$4,369
baseline
▲ 0.50% · 4.625%
HK$4,600
+HK$231/mo
Deposit HK$545K · loan HK$817K · min. income ≈ HK$8,738/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,347
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$138/mo
Today · 4.125%
HK$4,620
baseline
▲ 0.50% · 4.625%
HK$4,901
+HK$281/mo
Deposit HK$409K · loan HK$953K · min. income ≈ HK$9,240/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,836
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,966
−HK$132/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,366
+HK$268/mo
Deposit HK$409K · loan HK$953K · min. income ≈ HK$10,196/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,589
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$177/mo
Today · 4.125%
HK$5,940
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$361/mo
Deposit HK$136K · loan HK$1.23M · min. income ≈ HK$11,880/mo (50% DSR)
Upfront cash ≈ HK$136K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,218
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$169/mo
Today · 4.125%
HK$6,554
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$345/mo
Deposit HK$136K · loan HK$1.23M · min. income ≈ HK$13,108/mo (50% DSR)
Upfront cash ≈ HK$136K (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).