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$3,232
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,333
−HK$102/mo
Today · 4.125%
HK$3,435
baseline
▲ 0.50% · 4.625%
HK$3,644
+HK$209/mo
Deposit HK$709K · loan HK$709K · min. income ≈ HK$6,870/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,596
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,693
−HK$97/mo
Today · 4.125%
HK$3,790
baseline
▲ 0.50% · 4.625%
HK$3,990
+HK$200/mo
Deposit HK$709K · loan HK$709K · min. income ≈ HK$7,580/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,879
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,000
−HK$122/mo
Today · 4.125%
HK$4,122
baseline
▲ 0.50% · 4.625%
HK$4,373
+HK$251/mo
Deposit HK$567K · loan HK$851K · min. income ≈ HK$8,244/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,315
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,431
−HK$117/mo
Today · 4.125%
HK$4,548
baseline
▲ 0.50% · 4.625%
HK$4,788
+HK$240/mo
Deposit HK$567K · loan HK$851K · min. income ≈ HK$9,096/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,525
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,666
−HK$143/mo
Today · 4.125%
HK$4,809
baseline
▲ 0.50% · 4.625%
HK$5,102
+HK$293/mo
Deposit HK$425K · loan HK$992K · min. income ≈ HK$9,618/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,170
−HK$137/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,586
+HK$279/mo
Deposit HK$425K · loan HK$992K · min. income ≈ HK$10,614/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,818
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$184/mo
Today · 4.125%
HK$6,183
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$377/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,366/mo (50% DSR)
Upfront cash ≈ HK$142K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,473
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$176/mo
Today · 4.125%
HK$6,823
baseline
▲ 0.50% · 4.625%
HK$7,182
+HK$359/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,646/mo (50% DSR)
Upfront cash ≈ HK$142K (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).