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$3,218
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,319
−HK$101/mo
Today · 4.125%
HK$3,420
baseline
▲ 0.50% · 4.625%
HK$3,628
+HK$208/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$3,580
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,676
−HK$98/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$242/mo
▼ 0.25% · 3.875%
HK$3,982
−HK$122/mo
Today · 4.125%
HK$4,104
baseline
▲ 0.50% · 4.625%
HK$4,354
+HK$250/mo
Deposit HK$565K · loan HK$847K · min. income ≈ HK$8,208/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$4,767
+HK$238/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$282/mo
▼ 0.25% · 3.875%
HK$4,646
−HK$142/mo
Today · 4.125%
HK$4,788
baseline
▲ 0.50% · 4.625%
HK$5,080
+HK$292/mo
Deposit HK$423K · loan HK$988K · min. income ≈ HK$9,576/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$270/mo
▼ 0.25% · 3.875%
HK$5,147
−HK$136/mo
Today · 4.125%
HK$5,283
baseline
▲ 0.50% · 4.625%
HK$5,562
+HK$279/mo
Deposit HK$423K · loan HK$988K · min. income ≈ HK$10,566/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$5,793
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$183/mo
Today · 4.125%
HK$6,156
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$375/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,312/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$7,151
+HK$358/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).