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$3,175
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,274
−HK$100/mo
Today · 4.125%
HK$3,374
baseline
▲ 0.50% · 4.625%
HK$3,579
+HK$205/mo
Deposit HK$696K · loan HK$696K · min. income ≈ HK$6,748/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,532
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,627
−HK$96/mo
Today · 4.125%
HK$3,723
baseline
▲ 0.50% · 4.625%
HK$3,919
+HK$196/mo
Deposit HK$696K · loan HK$696K · min. income ≈ HK$7,446/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,810
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,928
−HK$121/mo
Today · 4.125%
HK$4,049
baseline
▲ 0.50% · 4.625%
HK$4,295
+HK$246/mo
Deposit HK$557K · loan HK$835K · min. income ≈ HK$8,098/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,238
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,352
−HK$115/mo
Today · 4.125%
HK$4,467
baseline
▲ 0.50% · 4.625%
HK$4,703
+HK$236/mo
Deposit HK$557K · loan HK$835K · min. income ≈ HK$8,934/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,445
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,583
−HK$140/mo
Today · 4.125%
HK$4,723
baseline
▲ 0.50% · 4.625%
HK$5,011
+HK$288/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$9,446/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,945
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,077
−HK$135/mo
Today · 4.125%
HK$5,212
baseline
▲ 0.50% · 4.625%
HK$5,487
+HK$275/mo
Deposit HK$418K · loan HK$975K · min. income ≈ HK$10,424/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,715
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$181/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$369/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$12,146/mo (50% DSR)
Upfront cash ≈ HK$139K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,357
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$173/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,054
+HK$353/mo
Deposit HK$139K · loan HK$1.25M · min. income ≈ HK$13,402/mo (50% DSR)
Upfront cash ≈ HK$139K (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).