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$3,051
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,146
−HK$96/mo
Today · 4.125%
HK$3,242
baseline
▲ 0.50% · 4.625%
HK$3,440
+HK$198/mo
Deposit HK$669K · loan HK$669K · min. income ≈ HK$6,484/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,394
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,485
−HK$93/mo
Today · 4.125%
HK$3,578
baseline
▲ 0.50% · 4.625%
HK$3,766
+HK$188/mo
Deposit HK$669K · loan HK$669K · min. income ≈ HK$7,156/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,661
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,775
−HK$116/mo
Today · 4.125%
HK$3,891
baseline
▲ 0.50% · 4.625%
HK$4,128
+HK$237/mo
Deposit HK$535K · loan HK$803K · min. income ≈ HK$7,782/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,073
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,182
−HK$111/mo
Today · 4.125%
HK$4,293
baseline
▲ 0.50% · 4.625%
HK$4,520
+HK$227/mo
Deposit HK$535K · loan HK$803K · min. income ≈ HK$8,586/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,272
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,404
−HK$135/mo
Today · 4.125%
HK$4,539
baseline
▲ 0.50% · 4.625%
HK$4,816
+HK$277/mo
Deposit HK$401K · loan HK$937K · min. income ≈ HK$9,078/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,752
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,880
−HK$129/mo
Today · 4.125%
HK$5,009
baseline
▲ 0.50% · 4.625%
HK$5,273
+HK$264/mo
Deposit HK$401K · loan HK$937K · min. income ≈ HK$10,018/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,492
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,663
−HK$173/mo
Today · 4.125%
HK$5,836
baseline
▲ 0.50% · 4.625%
HK$6,192
+HK$356/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$11,672/mo (50% DSR)
Upfront cash ≈ HK$134K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,110
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,274
−HK$166/mo
Today · 4.125%
HK$6,440
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$339/mo
Deposit HK$134K · loan HK$1.20M · min. income ≈ HK$12,880/mo (50% DSR)
Upfront cash ≈ HK$134K (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).