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$2,827
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,915
−HK$90/mo
Today · 4.125%
HK$3,005
baseline
▲ 0.50% · 4.625%
HK$3,188
+HK$183/mo
Deposit HK$620K · loan HK$620K · min. income ≈ HK$6,010/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,145
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,230
−HK$85/mo
Today · 4.125%
HK$3,315
baseline
▲ 0.50% · 4.625%
HK$3,490
+HK$175/mo
Deposit HK$620K · loan HK$620K · min. income ≈ HK$6,630/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,393
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,498
−HK$108/mo
Today · 4.125%
HK$3,606
baseline
▲ 0.50% · 4.625%
HK$3,825
+HK$219/mo
Deposit HK$496K · loan HK$744K · min. income ≈ HK$7,212/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,775
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,876
−HK$103/mo
Today · 4.125%
HK$3,979
baseline
▲ 0.50% · 4.625%
HK$4,188
+HK$209/mo
Deposit HK$496K · loan HK$744K · min. income ≈ HK$7,958/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,958
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,082
−HK$125/mo
Today · 4.125%
HK$4,207
baseline
▲ 0.50% · 4.625%
HK$4,463
+HK$256/mo
Deposit HK$372K · loan HK$868K · min. income ≈ HK$8,414/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,404
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,522
−HK$120/mo
Today · 4.125%
HK$4,642
baseline
▲ 0.50% · 4.625%
HK$4,886
+HK$244/mo
Deposit HK$372K · loan HK$868K · min. income ≈ HK$9,284/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,089
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,248
−HK$161/mo
Today · 4.125%
HK$5,409
baseline
▲ 0.50% · 4.625%
HK$5,738
+HK$329/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$10,818/mo (50% DSR)
Upfront cash ≈ HK$124K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,662
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,814
−HK$154/mo
Today · 4.125%
HK$5,968
baseline
▲ 0.50% · 4.625%
HK$6,282
+HK$314/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$11,936/mo (50% DSR)
Upfront cash ≈ HK$124K (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).