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$3,041
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,136
−HK$96/mo
Today · 4.125%
HK$3,232
baseline
▲ 0.50% · 4.625%
HK$3,429
+HK$197/mo
Deposit HK$667K · loan HK$667K · min. income ≈ HK$6,464/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,383
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,474
−HK$92/mo
Today · 4.125%
HK$3,566
baseline
▲ 0.50% · 4.625%
HK$3,754
+HK$188/mo
Deposit HK$667K · loan HK$667K · min. income ≈ HK$7,132/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,650
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,763
−HK$115/mo
Today · 4.125%
HK$3,878
baseline
▲ 0.50% · 4.625%
HK$4,114
+HK$236/mo
Deposit HK$534K · loan HK$800K · min. income ≈ HK$7,756/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,060
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,169
−HK$110/mo
Today · 4.125%
HK$4,279
baseline
▲ 0.50% · 4.625%
HK$4,505
+HK$226/mo
Deposit HK$534K · loan HK$800K · min. income ≈ HK$8,558/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,258
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,390
−HK$135/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,800
+HK$275/mo
Deposit HK$400K · loan HK$934K · min. income ≈ HK$9,050/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,737
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,864
−HK$129/mo
Today · 4.125%
HK$4,993
baseline
▲ 0.50% · 4.625%
HK$5,256
+HK$263/mo
Deposit HK$400K · loan HK$934K · min. income ≈ HK$9,986/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,474
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,645
−HK$173/mo
Today · 4.125%
HK$5,818
baseline
▲ 0.50% · 4.625%
HK$6,172
+HK$354/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$11,636/mo (50% DSR)
Upfront cash ≈ HK$133K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,090
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,254
−HK$165/mo
Today · 4.125%
HK$6,419
baseline
▲ 0.50% · 4.625%
HK$6,758
+HK$339/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$12,838/mo (50% DSR)
Upfront cash ≈ HK$133K (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).