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$3,234
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,334
−HK$103/mo
Today · 4.125%
HK$3,437
baseline
▲ 0.50% · 4.625%
HK$3,646
+HK$209/mo
Deposit HK$709K · loan HK$709K · min. income ≈ HK$6,874/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,598
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,694
−HK$98/mo
Today · 4.125%
HK$3,792
baseline
▲ 0.50% · 4.625%
HK$3,992
+HK$200/mo
Deposit HK$709K · loan HK$709K · min. income ≈ HK$7,584/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,881
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,001
−HK$123/mo
Today · 4.125%
HK$4,124
baseline
▲ 0.50% · 4.625%
HK$4,375
+HK$251/mo
Deposit HK$567K · loan HK$851K · min. income ≈ HK$8,248/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,317
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,433
−HK$117/mo
Today · 4.125%
HK$4,550
baseline
▲ 0.50% · 4.625%
HK$4,790
+HK$240/mo
Deposit HK$567K · loan HK$851K · min. income ≈ HK$9,100/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,527
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,668
−HK$143/mo
Today · 4.125%
HK$4,811
baseline
▲ 0.50% · 4.625%
HK$5,104
+HK$293/mo
Deposit HK$425K · loan HK$993K · min. income ≈ HK$9,622/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$5,037
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,172
−HK$137/mo
Today · 4.125%
HK$5,309
baseline
▲ 0.50% · 4.625%
HK$5,589
+HK$280/mo
Deposit HK$425K · loan HK$993K · min. income ≈ HK$10,618/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$5,821
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$184/mo
Today · 4.125%
HK$6,186
baseline
▲ 0.50% · 4.625%
HK$6,562
+HK$376/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,372/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$6,476
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,649
−HK$176/mo
Today · 4.125%
HK$6,825
baseline
▲ 0.50% · 4.625%
HK$7,185
+HK$360/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,650/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).