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$3,015
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,108
−HK$96/mo
Today · 4.125%
HK$3,204
baseline
▲ 0.50% · 4.625%
HK$3,399
+HK$195/mo
Deposit HK$661K · loan HK$661K · min. income ≈ HK$6,408/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,354
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,444
−HK$91/mo
Today · 4.125%
HK$3,535
baseline
▲ 0.50% · 4.625%
HK$3,721
+HK$186/mo
Deposit HK$661K · loan HK$661K · min. income ≈ HK$7,070/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,618
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,730
−HK$115/mo
Today · 4.125%
HK$3,845
baseline
▲ 0.50% · 4.625%
HK$4,078
+HK$233/mo
Deposit HK$529K · loan HK$793K · min. income ≈ HK$7,690/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,025
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,133
−HK$109/mo
Today · 4.125%
HK$4,242
baseline
▲ 0.50% · 4.625%
HK$4,466
+HK$224/mo
Deposit HK$529K · loan HK$793K · min. income ≈ HK$8,484/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,221
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,352
−HK$133/mo
Today · 4.125%
HK$4,485
baseline
▲ 0.50% · 4.625%
HK$4,758
+HK$273/mo
Deposit HK$397K · loan HK$925K · min. income ≈ HK$8,970/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,695
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$128/mo
Today · 4.125%
HK$4,949
baseline
▲ 0.50% · 4.625%
HK$5,210
+HK$261/mo
Deposit HK$397K · loan HK$925K · min. income ≈ HK$9,898/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,426
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,595
−HK$172/mo
Today · 4.125%
HK$5,767
baseline
▲ 0.50% · 4.625%
HK$6,118
+HK$351/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,534/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$6,037
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$164/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,698
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,726/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).