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$3,004
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,097
−HK$95/mo
Today · 4.125%
HK$3,192
baseline
▲ 0.50% · 4.625%
HK$3,387
+HK$195/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$6,384/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,342
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,431
−HK$91/mo
Today · 4.125%
HK$3,522
baseline
▲ 0.50% · 4.625%
HK$3,708
+HK$186/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$7,044/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,605
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,717
−HK$114/mo
Today · 4.125%
HK$3,831
baseline
▲ 0.50% · 4.625%
HK$4,064
+HK$233/mo
Deposit HK$527K · loan HK$790K · min. income ≈ HK$7,662/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,010
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,118
−HK$109/mo
Today · 4.125%
HK$4,227
baseline
▲ 0.50% · 4.625%
HK$4,450
+HK$223/mo
Deposit HK$527K · loan HK$790K · min. income ≈ HK$8,454/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,205
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,336
−HK$133/mo
Today · 4.125%
HK$4,469
baseline
▲ 0.50% · 4.625%
HK$4,741
+HK$272/mo
Deposit HK$395K · loan HK$922K · min. income ≈ HK$8,938/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,679
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,804
−HK$127/mo
Today · 4.125%
HK$4,931
baseline
▲ 0.50% · 4.625%
HK$5,191
+HK$260/mo
Deposit HK$395K · loan HK$922K · min. income ≈ HK$9,862/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,407
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$171/mo
Today · 4.125%
HK$5,746
baseline
▲ 0.50% · 4.625%
HK$6,096
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,492/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,015
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,177
−HK$163/mo
Today · 4.125%
HK$6,340
baseline
▲ 0.50% · 4.625%
HK$6,674
+HK$334/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,680/mo (50% DSR)
Upfront cash ≈ HK$132K (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).