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$3,057
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,152
−HK$97/mo
Today · 4.125%
HK$3,249
baseline
▲ 0.50% · 4.625%
HK$3,446
+HK$197/mo
Deposit HK$670K · loan HK$670K · min. income ≈ HK$6,498/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,401
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,492
−HK$92/mo
Today · 4.125%
HK$3,584
baseline
▲ 0.50% · 4.625%
HK$3,773
+HK$189/mo
Deposit HK$670K · loan HK$670K · min. income ≈ HK$7,168/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,668
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,782
−HK$116/mo
Today · 4.125%
HK$3,898
baseline
▲ 0.50% · 4.625%
HK$4,135
+HK$237/mo
Deposit HK$536K · loan HK$804K · min. income ≈ HK$7,796/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,081
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,190
−HK$111/mo
Today · 4.125%
HK$4,301
baseline
▲ 0.50% · 4.625%
HK$4,528
+HK$227/mo
Deposit HK$536K · loan HK$804K · min. income ≈ HK$8,602/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,280
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,413
−HK$135/mo
Today · 4.125%
HK$4,548
baseline
▲ 0.50% · 4.625%
HK$4,825
+HK$277/mo
Deposit HK$402K · loan HK$938K · min. income ≈ HK$9,096/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,761
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,889
−HK$129/mo
Today · 4.125%
HK$5,018
baseline
▲ 0.50% · 4.625%
HK$5,283
+HK$265/mo
Deposit HK$402K · loan HK$938K · min. income ≈ HK$10,036/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,502
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,673
−HK$174/mo
Today · 4.125%
HK$5,847
baseline
▲ 0.50% · 4.625%
HK$6,203
+HK$356/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$11,694/mo (50% DSR)
Upfront cash ≈ HK$134K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,121
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,285
−HK$167/mo
Today · 4.125%
HK$6,452
baseline
▲ 0.50% · 4.625%
HK$6,792
+HK$340/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$12,904/mo (50% DSR)
Upfront cash ≈ HK$134K (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).