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$3,133
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,231
−HK$99/mo
Today · 4.125%
HK$3,330
baseline
▲ 0.50% · 4.625%
HK$3,532
+HK$202/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$6,660/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,486
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,579
−HK$95/mo
Today · 4.125%
HK$3,674
baseline
▲ 0.50% · 4.625%
HK$3,867
+HK$193/mo
Deposit HK$687K · loan HK$687K · min. income ≈ HK$7,348/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,760
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,877
−HK$118/mo
Today · 4.125%
HK$3,995
baseline
▲ 0.50% · 4.625%
HK$4,239
+HK$244/mo
Deposit HK$550K · loan HK$824K · min. income ≈ HK$7,990/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,183
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,295
−HK$114/mo
Today · 4.125%
HK$4,409
baseline
▲ 0.50% · 4.625%
HK$4,641
+HK$232/mo
Deposit HK$550K · loan HK$824K · min. income ≈ HK$8,818/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,386
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,523
−HK$138/mo
Today · 4.125%
HK$4,661
baseline
▲ 0.50% · 4.625%
HK$4,945
+HK$284/mo
Deposit HK$412K · loan HK$962K · min. income ≈ HK$9,322/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,880
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$132/mo
Today · 4.125%
HK$5,143
baseline
▲ 0.50% · 4.625%
HK$5,414
+HK$271/mo
Deposit HK$412K · loan HK$962K · min. income ≈ HK$10,286/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,640
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,815
−HK$178/mo
Today · 4.125%
HK$5,993
baseline
▲ 0.50% · 4.625%
HK$6,358
+HK$365/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$11,986/mo (50% DSR)
Upfront cash ≈ HK$138K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,274
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,442
−HK$171/mo
Today · 4.125%
HK$6,613
baseline
▲ 0.50% · 4.625%
HK$6,961
+HK$348/mo
Deposit HK$137K · loan HK$1.24M · min. income ≈ HK$13,226/mo (50% DSR)
Upfront cash ≈ HK$138K (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).