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$2,977
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,070
−HK$94/mo
Today · 4.125%
HK$3,164
baseline
▲ 0.50% · 4.625%
HK$3,356
+HK$192/mo
Deposit HK$653K · loan HK$653K · min. income ≈ HK$6,328/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,312
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,401
−HK$90/mo
Today · 4.125%
HK$3,491
baseline
▲ 0.50% · 4.625%
HK$3,675
+HK$184/mo
Deposit HK$653K · loan HK$653K · min. income ≈ HK$6,982/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,572
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,683
−HK$113/mo
Today · 4.125%
HK$3,796
baseline
▲ 0.50% · 4.625%
HK$4,027
+HK$231/mo
Deposit HK$522K · loan HK$783K · min. income ≈ HK$7,592/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,974
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,081
−HK$108/mo
Today · 4.125%
HK$4,189
baseline
▲ 0.50% · 4.625%
HK$4,410
+HK$221/mo
Deposit HK$522K · loan HK$783K · min. income ≈ HK$8,378/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,168
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,297
−HK$132/mo
Today · 4.125%
HK$4,429
baseline
▲ 0.50% · 4.625%
HK$4,699
+HK$270/mo
Deposit HK$392K · loan HK$914K · min. income ≈ HK$8,858/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,637
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,761
−HK$126/mo
Today · 4.125%
HK$4,887
baseline
▲ 0.50% · 4.625%
HK$5,145
+HK$258/mo
Deposit HK$392K · loan HK$914K · min. income ≈ HK$9,774/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,359
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,525
−HK$170/mo
Today · 4.125%
HK$5,695
baseline
▲ 0.50% · 4.625%
HK$6,041
+HK$346/mo
Deposit HK$131K · loan HK$1.17M · min. income ≈ HK$11,390/mo (50% DSR)
Upfront cash ≈ HK$131K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,961
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,121
−HK$162/mo
Today · 4.125%
HK$6,283
baseline
▲ 0.50% · 4.625%
HK$6,615
+HK$332/mo
Deposit HK$131K · loan HK$1.17M · min. income ≈ HK$12,566/mo (50% DSR)
Upfront cash ≈ HK$131K (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).