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$2,540
−HK$159/mo
▼ 0.25% · 3.875%
HK$2,619
−HK$80/mo
Today · 4.125%
HK$2,699
baseline
▲ 0.50% · 4.625%
HK$2,863
+HK$164/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,398/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,825
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,901
−HK$77/mo
Today · 4.125%
HK$2,978
baseline
▲ 0.50% · 4.625%
HK$3,135
+HK$157/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,956/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,048
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,143
−HK$96/mo
Today · 4.125%
HK$3,239
baseline
▲ 0.50% · 4.625%
HK$3,436
+HK$197/mo
Deposit HK$446K · loan HK$668K · min. income ≈ HK$6,478/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,391
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,481
−HK$93/mo
Today · 4.125%
HK$3,574
baseline
▲ 0.50% · 4.625%
HK$3,762
+HK$188/mo
Deposit HK$446K · loan HK$668K · min. income ≈ HK$7,148/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,556
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,666
−HK$113/mo
Today · 4.125%
HK$3,779
baseline
▲ 0.50% · 4.625%
HK$4,009
+HK$230/mo
Deposit HK$334K · loan HK$780K · min. income ≈ HK$7,558/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,956
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,062
−HK$107/mo
Today · 4.125%
HK$4,169
baseline
▲ 0.50% · 4.625%
HK$4,389
+HK$220/mo
Deposit HK$334K · loan HK$780K · min. income ≈ HK$8,338/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,572
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,714
−HK$144/mo
Today · 4.125%
HK$4,858
baseline
▲ 0.50% · 4.625%
HK$5,154
+HK$296/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$9,716/mo (50% DSR)
Upfront cash ≈ HK$111K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,086
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,222
−HK$139/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,643
+HK$282/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$10,722/mo (50% DSR)
Upfront cash ≈ HK$111K (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).