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$3,115
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,212
−HK$98/mo
Today · 4.125%
HK$3,310
baseline
▲ 0.50% · 4.625%
HK$3,511
+HK$201/mo
Deposit HK$683K · loan HK$683K · min. income ≈ HK$6,620/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,465
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,558
−HK$94/mo
Today · 4.125%
HK$3,652
baseline
▲ 0.50% · 4.625%
HK$3,845
+HK$193/mo
Deposit HK$683K · loan HK$683K · min. income ≈ HK$7,304/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,738
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,854
−HK$118/mo
Today · 4.125%
HK$3,972
baseline
▲ 0.50% · 4.625%
HK$4,214
+HK$242/mo
Deposit HK$546K · loan HK$820K · min. income ≈ HK$7,944/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,158
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,270
−HK$113/mo
Today · 4.125%
HK$4,383
baseline
▲ 0.50% · 4.625%
HK$4,614
+HK$231/mo
Deposit HK$546K · loan HK$820K · min. income ≈ HK$8,766/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,361
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,496
−HK$138/mo
Today · 4.125%
HK$4,634
baseline
▲ 0.50% · 4.625%
HK$4,916
+HK$282/mo
Deposit HK$410K · loan HK$956K · min. income ≈ HK$9,268/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,851
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,981
−HK$132/mo
Today · 4.125%
HK$5,113
baseline
▲ 0.50% · 4.625%
HK$5,383
+HK$270/mo
Deposit HK$410K · loan HK$956K · min. income ≈ HK$10,226/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,606
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,781
−HK$177/mo
Today · 4.125%
HK$5,958
baseline
▲ 0.50% · 4.625%
HK$6,320
+HK$362/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$11,916/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,237
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,404
−HK$170/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,921
+HK$347/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$13,148/mo (50% DSR)
Upfront cash ≈ HK$137K (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).