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$3,068
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,164
−HK$96/mo
Today · 4.125%
HK$3,260
baseline
▲ 0.50% · 4.625%
HK$3,459
+HK$199/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$6,520/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,413
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,505
−HK$93/mo
Today · 4.125%
HK$3,598
baseline
▲ 0.50% · 4.625%
HK$3,787
+HK$189/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$7,196/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,682
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,796
−HK$117/mo
Today · 4.125%
HK$3,913
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$238/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$7,826/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,096
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,206
−HK$111/mo
Today · 4.125%
HK$4,317
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$228/mo
Deposit HK$538K · loan HK$807K · min. income ≈ HK$8,634/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,295
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$136/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,842
+HK$277/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,778
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$130/mo
Today · 4.125%
HK$5,037
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$265/mo
Deposit HK$404K · loan HK$942K · min. income ≈ HK$10,074/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,523
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$175/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,226
+HK$357/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,738/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,144
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$167/mo
Today · 4.125%
HK$6,476
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$341/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,952/mo (50% DSR)
Upfront cash ≈ HK$135K (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).