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$2,880
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,970
−HK$91/mo
Today · 4.125%
HK$3,061
baseline
▲ 0.50% · 4.625%
HK$3,247
+HK$186/mo
Deposit HK$632K · loan HK$632K · min. income ≈ HK$6,122/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,204
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,290
−HK$87/mo
Today · 4.125%
HK$3,377
baseline
▲ 0.50% · 4.625%
HK$3,555
+HK$178/mo
Deposit HK$632K · loan HK$632K · min. income ≈ HK$6,754/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,456
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,564
−HK$109/mo
Today · 4.125%
HK$3,673
baseline
▲ 0.50% · 4.625%
HK$3,896
+HK$223/mo
Deposit HK$505K · loan HK$758K · min. income ≈ HK$7,346/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,845
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,948
−HK$105/mo
Today · 4.125%
HK$4,053
baseline
▲ 0.50% · 4.625%
HK$4,266
+HK$213/mo
Deposit HK$505K · loan HK$758K · min. income ≈ HK$8,106/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,032
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,158
−HK$127/mo
Today · 4.125%
HK$4,285
baseline
▲ 0.50% · 4.625%
HK$4,546
+HK$261/mo
Deposit HK$379K · loan HK$884K · min. income ≈ HK$8,570/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,486
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,606
−HK$122/mo
Today · 4.125%
HK$4,728
baseline
▲ 0.50% · 4.625%
HK$4,977
+HK$249/mo
Deposit HK$379K · loan HK$884K · min. income ≈ HK$9,456/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,184
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,345
−HK$164/mo
Today · 4.125%
HK$5,509
baseline
▲ 0.50% · 4.625%
HK$5,844
+HK$335/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$11,018/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,767
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,922
−HK$157/mo
Today · 4.125%
HK$6,079
baseline
▲ 0.50% · 4.625%
HK$6,399
+HK$320/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$12,158/mo (50% DSR)
Upfront cash ≈ HK$126K (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).