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$3,029
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,123
−HK$96/mo
Today · 4.125%
HK$3,219
baseline
▲ 0.50% · 4.625%
HK$3,415
+HK$196/mo
Deposit HK$664K · loan HK$664K · min. income ≈ HK$6,438/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,370
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,460
−HK$92/mo
Today · 4.125%
HK$3,552
baseline
▲ 0.50% · 4.625%
HK$3,739
+HK$187/mo
Deposit HK$664K · loan HK$664K · min. income ≈ HK$7,104/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,635
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,748
−HK$115/mo
Today · 4.125%
HK$3,863
baseline
▲ 0.50% · 4.625%
HK$4,098
+HK$235/mo
Deposit HK$531K · loan HK$797K · min. income ≈ HK$7,726/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,044
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,152
−HK$110/mo
Today · 4.125%
HK$4,262
baseline
▲ 0.50% · 4.625%
HK$4,487
+HK$225/mo
Deposit HK$531K · loan HK$797K · min. income ≈ HK$8,524/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,241
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,373
−HK$134/mo
Today · 4.125%
HK$4,507
baseline
▲ 0.50% · 4.625%
HK$4,781
+HK$274/mo
Deposit HK$399K · loan HK$930K · min. income ≈ HK$9,014/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,718
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,844
−HK$129/mo
Today · 4.125%
HK$4,973
baseline
▲ 0.50% · 4.625%
HK$5,235
+HK$262/mo
Deposit HK$399K · loan HK$930K · min. income ≈ HK$9,946/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,452
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,622
−HK$172/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$353/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$11,588/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$6,066
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$165/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,730
+HK$337/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$12,786/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).