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$3,185
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,285
−HK$100/mo
Today · 4.125%
HK$3,385
baseline
▲ 0.50% · 4.625%
HK$3,591
+HK$206/mo
Deposit HK$698K · loan HK$698K · min. income ≈ HK$6,770/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,544
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,639
−HK$96/mo
Today · 4.125%
HK$3,735
baseline
▲ 0.50% · 4.625%
HK$3,932
+HK$197/mo
Deposit HK$698K · loan HK$698K · min. income ≈ HK$7,470/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,823
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,941
−HK$121/mo
Today · 4.125%
HK$4,062
baseline
▲ 0.50% · 4.625%
HK$4,309
+HK$247/mo
Deposit HK$559K · loan HK$838K · min. income ≈ HK$8,124/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,253
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,367
−HK$115/mo
Today · 4.125%
HK$4,482
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$237/mo
Deposit HK$559K · loan HK$838K · min. income ≈ HK$8,964/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,460
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,598
−HK$141/mo
Today · 4.125%
HK$4,739
baseline
▲ 0.50% · 4.625%
HK$5,028
+HK$289/mo
Deposit HK$419K · loan HK$978K · min. income ≈ HK$9,478/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,961
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,094
−HK$135/mo
Today · 4.125%
HK$5,229
baseline
▲ 0.50% · 4.625%
HK$5,505
+HK$276/mo
Deposit HK$419K · loan HK$978K · min. income ≈ HK$10,458/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,734
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$181/mo
Today · 4.125%
HK$6,093
baseline
▲ 0.50% · 4.625%
HK$6,464
+HK$371/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$12,186/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,379
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$173/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$355/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$13,446/mo (50% DSR)
Upfront cash ≈ HK$140K (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).