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$3,082
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,177
−HK$98/mo
Today · 4.125%
HK$3,275
baseline
▲ 0.50% · 4.625%
HK$3,474
+HK$199/mo
Deposit HK$676K · loan HK$676K · min. income ≈ HK$6,550/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,428
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,520
−HK$93/mo
Today · 4.125%
HK$3,613
baseline
▲ 0.50% · 4.625%
HK$3,804
+HK$191/mo
Deposit HK$676K · loan HK$676K · min. income ≈ HK$7,226/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,698
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,813
−HK$117/mo
Today · 4.125%
HK$3,930
baseline
▲ 0.50% · 4.625%
HK$4,169
+HK$239/mo
Deposit HK$541K · loan HK$811K · min. income ≈ HK$7,860/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$4,114
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,224
−HK$112/mo
Today · 4.125%
HK$4,336
baseline
▲ 0.50% · 4.625%
HK$4,565
+HK$229/mo
Deposit HK$541K · loan HK$811K · min. income ≈ HK$8,672/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$4,314
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,448
−HK$137/mo
Today · 4.125%
HK$4,585
baseline
▲ 0.50% · 4.625%
HK$4,864
+HK$279/mo
Deposit HK$405K · loan HK$946K · min. income ≈ HK$9,170/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$4,799
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,928
−HK$131/mo
Today · 4.125%
HK$5,059
baseline
▲ 0.50% · 4.625%
HK$5,325
+HK$266/mo
Deposit HK$405K · loan HK$946K · min. income ≈ HK$10,118/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$5,547
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,719
−HK$176/mo
Today · 4.125%
HK$5,895
baseline
▲ 0.50% · 4.625%
HK$6,253
+HK$358/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$11,790/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$6,171
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$168/mo
Today · 4.125%
HK$6,504
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$343/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$13,008/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).