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$3,006
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,099
−HK$95/mo
Today · 4.125%
HK$3,194
baseline
▲ 0.50% · 4.625%
HK$3,389
+HK$195/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$6,388/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$3,344
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,434
−HK$91/mo
Today · 4.125%
HK$3,525
baseline
▲ 0.50% · 4.625%
HK$3,710
+HK$185/mo
Deposit HK$659K · loan HK$659K · min. income ≈ HK$7,050/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$3,607
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,719
−HK$114/mo
Today · 4.125%
HK$3,833
baseline
▲ 0.50% · 4.625%
HK$4,066
+HK$233/mo
Deposit HK$527K · loan HK$791K · min. income ≈ HK$7,666/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$4,013
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,120
−HK$110/mo
Today · 4.125%
HK$4,230
baseline
▲ 0.50% · 4.625%
HK$4,452
+HK$222/mo
Deposit HK$527K · loan HK$791K · min. income ≈ HK$8,460/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$4,208
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,339
−HK$133/mo
Today · 4.125%
HK$4,472
baseline
▲ 0.50% · 4.625%
HK$4,744
+HK$272/mo
Deposit HK$395K · loan HK$923K · min. income ≈ HK$8,944/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,682
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,807
−HK$127/mo
Today · 4.125%
HK$4,934
baseline
▲ 0.50% · 4.625%
HK$5,195
+HK$261/mo
Deposit HK$395K · loan HK$923K · min. income ≈ HK$9,868/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,410
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,579
−HK$171/mo
Today · 4.125%
HK$5,750
baseline
▲ 0.50% · 4.625%
HK$6,100
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,500/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$6,019
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,181
−HK$163/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,679
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,688/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).