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$2,541
−HK$159/mo
▼ 0.25% · 3.875%
HK$2,620
−HK$80/mo
Today · 4.125%
HK$2,700
baseline
▲ 0.50% · 4.625%
HK$2,865
+HK$165/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,400/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$2,827
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,903
−HK$76/mo
Today · 4.125%
HK$2,979
baseline
▲ 0.50% · 4.625%
HK$3,136
+HK$157/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,958/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$3,049
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,144
−HK$96/mo
Today · 4.125%
HK$3,240
baseline
▲ 0.50% · 4.625%
HK$3,437
+HK$197/mo
Deposit HK$446K · loan HK$669K · min. income ≈ HK$6,480/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$3,392
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,483
−HK$92/mo
Today · 4.125%
HK$3,575
baseline
▲ 0.50% · 4.625%
HK$3,764
+HK$189/mo
Deposit HK$446K · loan HK$669K · min. income ≈ HK$7,150/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$3,557
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,668
−HK$112/mo
Today · 4.125%
HK$3,780
baseline
▲ 0.50% · 4.625%
HK$4,010
+HK$230/mo
Deposit HK$334K · loan HK$780K · min. income ≈ HK$7,560/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$3,957
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,064
−HK$107/mo
Today · 4.125%
HK$4,171
baseline
▲ 0.50% · 4.625%
HK$4,391
+HK$220/mo
Deposit HK$334K · loan HK$780K · min. income ≈ HK$8,342/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$4,574
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$144/mo
Today · 4.125%
HK$4,860
baseline
▲ 0.50% · 4.625%
HK$5,156
+HK$296/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$9,720/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$5,088
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,225
−HK$138/mo
Today · 4.125%
HK$5,363
baseline
▲ 0.50% · 4.625%
HK$5,646
+HK$283/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$10,726/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).