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$3,086
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,182
−HK$98/mo
Today · 4.125%
HK$3,280
baseline
▲ 0.50% · 4.625%
HK$3,480
+HK$200/mo
Deposit HK$677K · loan HK$677K · min. income ≈ HK$6,560/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$3,434
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,526
−HK$93/mo
Today · 4.125%
HK$3,619
baseline
▲ 0.50% · 4.625%
HK$3,810
+HK$191/mo
Deposit HK$677K · loan HK$677K · min. income ≈ HK$7,238/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$3,704
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,819
−HK$117/mo
Today · 4.125%
HK$3,936
baseline
▲ 0.50% · 4.625%
HK$4,175
+HK$239/mo
Deposit HK$541K · loan HK$812K · min. income ≈ HK$7,872/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,120
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,231
−HK$112/mo
Today · 4.125%
HK$4,343
baseline
▲ 0.50% · 4.625%
HK$4,572
+HK$229/mo
Deposit HK$541K · loan HK$812K · min. income ≈ HK$8,686/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,321
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,455
−HK$137/mo
Today · 4.125%
HK$4,592
baseline
▲ 0.50% · 4.625%
HK$4,871
+HK$279/mo
Deposit HK$406K · loan HK$947K · min. income ≈ HK$9,184/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$4,807
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,936
−HK$131/mo
Today · 4.125%
HK$5,067
baseline
▲ 0.50% · 4.625%
HK$5,334
+HK$267/mo
Deposit HK$406K · loan HK$947K · min. income ≈ HK$10,134/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$5,556
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,728
−HK$176/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,263
+HK$359/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$11,808/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$6,180
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$168/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$344/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$13,028/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).