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$3,219
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,319
−HK$101/mo
Today · 4.125%
HK$3,420
baseline
▲ 0.50% · 4.625%
HK$3,629
+HK$209/mo
Deposit HK$706K · loan HK$706K · min. income ≈ HK$6,840/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,581
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,677
−HK$97/mo
Today · 4.125%
HK$3,774
baseline
▲ 0.50% · 4.625%
HK$3,973
+HK$199/mo
Deposit HK$706K · loan HK$706K · min. income ≈ HK$7,548/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,862
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,982
−HK$123/mo
Today · 4.125%
HK$4,105
baseline
▲ 0.50% · 4.625%
HK$4,354
+HK$249/mo
Deposit HK$565K · loan HK$847K · min. income ≈ HK$8,210/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,297
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,412
−HK$117/mo
Today · 4.125%
HK$4,529
baseline
▲ 0.50% · 4.625%
HK$4,768
+HK$239/mo
Deposit HK$565K · loan HK$847K · min. income ≈ HK$9,058/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,506
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,646
−HK$143/mo
Today · 4.125%
HK$4,789
baseline
▲ 0.50% · 4.625%
HK$5,080
+HK$291/mo
Deposit HK$423K · loan HK$988K · min. income ≈ HK$9,578/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,013
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,147
−HK$137/mo
Today · 4.125%
HK$5,284
baseline
▲ 0.50% · 4.625%
HK$5,562
+HK$278/mo
Deposit HK$423K · loan HK$988K · min. income ≈ HK$10,568/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,794
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$183/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$374/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$141K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,445
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$175/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,152
+HK$359/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,586/mo (50% DSR)
Upfront cash ≈ HK$141K (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).