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$2,553
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,633
−HK$80/mo
Today · 4.125%
HK$2,713
baseline
▲ 0.50% · 4.625%
HK$2,878
+HK$165/mo
Deposit HK$560K · loan HK$560K · min. income ≈ HK$5,426/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,840
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,916
−HK$78/mo
Today · 4.125%
HK$2,994
baseline
▲ 0.50% · 4.625%
HK$3,152
+HK$158/mo
Deposit HK$560K · loan HK$560K · min. income ≈ HK$5,988/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,064
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,159
−HK$97/mo
Today · 4.125%
HK$3,256
baseline
▲ 0.50% · 4.625%
HK$3,454
+HK$198/mo
Deposit HK$448K · loan HK$672K · min. income ≈ HK$6,512/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,408
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,500
−HK$92/mo
Today · 4.125%
HK$3,592
baseline
▲ 0.50% · 4.625%
HK$3,782
+HK$190/mo
Deposit HK$448K · loan HK$672K · min. income ≈ HK$7,184/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,574
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,686
−HK$112/mo
Today · 4.125%
HK$3,798
baseline
▲ 0.50% · 4.625%
HK$4,030
+HK$232/mo
Deposit HK$336K · loan HK$784K · min. income ≈ HK$7,596/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,976
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,083
−HK$108/mo
Today · 4.125%
HK$4,191
baseline
▲ 0.50% · 4.625%
HK$4,412
+HK$221/mo
Deposit HK$336K · loan HK$784K · min. income ≈ HK$8,382/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,596
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,739
−HK$145/mo
Today · 4.125%
HK$4,884
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$297/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$9,768/mo (50% DSR)
Upfront cash ≈ HK$112K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,113
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,250
−HK$139/mo
Today · 4.125%
HK$5,389
baseline
▲ 0.50% · 4.625%
HK$5,673
+HK$284/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$10,778/mo (50% DSR)
Upfront cash ≈ HK$112K (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).