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$2,949
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,041
−HK$93/mo
Today · 4.125%
HK$3,134
baseline
▲ 0.50% · 4.625%
HK$3,325
+HK$191/mo
Deposit HK$647K · loan HK$647K · min. income ≈ HK$6,268/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,281
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,369
−HK$89/mo
Today · 4.125%
HK$3,458
baseline
▲ 0.50% · 4.625%
HK$3,640
+HK$182/mo
Deposit HK$647K · loan HK$647K · min. income ≈ HK$6,916/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,539
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,649
−HK$112/mo
Today · 4.125%
HK$3,761
baseline
▲ 0.50% · 4.625%
HK$3,989
+HK$228/mo
Deposit HK$517K · loan HK$776K · min. income ≈ HK$7,522/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,937
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,042
−HK$108/mo
Today · 4.125%
HK$4,150
baseline
▲ 0.50% · 4.625%
HK$4,368
+HK$218/mo
Deposit HK$517K · loan HK$776K · min. income ≈ HK$8,300/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,129
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,257
−HK$130/mo
Today · 4.125%
HK$4,387
baseline
▲ 0.50% · 4.625%
HK$4,654
+HK$267/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$8,774/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,593
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$125/mo
Today · 4.125%
HK$4,841
baseline
▲ 0.50% · 4.625%
HK$5,096
+HK$255/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$9,682/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,308
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,473
−HK$168/mo
Today · 4.125%
HK$5,641
baseline
▲ 0.50% · 4.625%
HK$5,984
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,282/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,905
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,064
−HK$160/mo
Today · 4.125%
HK$6,224
baseline
▲ 0.50% · 4.625%
HK$6,552
+HK$328/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,448/mo (50% DSR)
Upfront cash ≈ HK$129K (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).