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$3,085
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,181
−HK$97/mo
Today · 4.125%
HK$3,278
baseline
▲ 0.50% · 4.625%
HK$3,478
+HK$200/mo
Deposit HK$676K · loan HK$676K · min. income ≈ HK$6,556/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,432
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,524
−HK$93/mo
Today · 4.125%
HK$3,617
baseline
▲ 0.50% · 4.625%
HK$3,808
+HK$191/mo
Deposit HK$676K · loan HK$676K · min. income ≈ HK$7,234/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,702
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,817
−HK$117/mo
Today · 4.125%
HK$3,934
baseline
▲ 0.50% · 4.625%
HK$4,173
+HK$239/mo
Deposit HK$541K · loan HK$812K · min. income ≈ HK$7,868/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,118
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,229
−HK$112/mo
Today · 4.125%
HK$4,341
baseline
▲ 0.50% · 4.625%
HK$4,570
+HK$229/mo
Deposit HK$541K · loan HK$812K · min. income ≈ HK$8,682/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,319
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,453
−HK$137/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$279/mo
Deposit HK$406K · loan HK$947K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,805
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,934
−HK$130/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,331
+HK$267/mo
Deposit HK$406K · loan HK$947K · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,553
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,726
−HK$175/mo
Today · 4.125%
HK$5,901
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$359/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$11,802/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,178
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$168/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,854
+HK$343/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$13,022/mo (50% DSR)
Upfront cash ≈ HK$135K (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).