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$3,092
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,189
−HK$97/mo
Today · 4.125%
HK$3,286
baseline
▲ 0.50% · 4.625%
HK$3,486
+HK$200/mo
Deposit HK$678K · loan HK$678K · min. income ≈ HK$6,572/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,440
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,533
−HK$93/mo
Today · 4.125%
HK$3,626
baseline
▲ 0.50% · 4.625%
HK$3,817
+HK$191/mo
Deposit HK$678K · loan HK$678K · min. income ≈ HK$7,252/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,711
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,826
−HK$118/mo
Today · 4.125%
HK$3,944
baseline
▲ 0.50% · 4.625%
HK$4,184
+HK$240/mo
Deposit HK$542K · loan HK$814K · min. income ≈ HK$7,888/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,128
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,239
−HK$112/mo
Today · 4.125%
HK$4,351
baseline
▲ 0.50% · 4.625%
HK$4,581
+HK$230/mo
Deposit HK$542K · loan HK$814K · min. income ≈ HK$8,702/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,329
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,464
−HK$137/mo
Today · 4.125%
HK$4,601
baseline
▲ 0.50% · 4.625%
HK$4,881
+HK$280/mo
Deposit HK$407K · loan HK$949K · min. income ≈ HK$9,202/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,817
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,946
−HK$131/mo
Today · 4.125%
HK$5,077
baseline
▲ 0.50% · 4.625%
HK$5,344
+HK$267/mo
Deposit HK$407K · loan HK$949K · min. income ≈ HK$10,154/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,566
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,740
−HK$176/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,276
+HK$360/mo
Deposit HK$136K · loan HK$1.22M · min. income ≈ HK$11,832/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$6,193
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$168/mo
Today · 4.125%
HK$6,527
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$344/mo
Deposit HK$136K · loan HK$1.22M · min. income ≈ HK$13,054/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).