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$2,665
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,748
−HK$84/mo
Today · 4.125%
HK$2,832
baseline
▲ 0.50% · 4.625%
HK$3,005
+HK$173/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$5,664/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,965
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,045
−HK$80/mo
Today · 4.125%
HK$3,125
baseline
▲ 0.50% · 4.625%
HK$3,290
+HK$165/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$6,250/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,198
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,298
−HK$101/mo
Today · 4.125%
HK$3,399
baseline
▲ 0.50% · 4.625%
HK$3,606
+HK$207/mo
Deposit HK$468K · loan HK$701K · min. income ≈ HK$6,798/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,558
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,653
−HK$97/mo
Today · 4.125%
HK$3,750
baseline
▲ 0.50% · 4.625%
HK$3,948
+HK$198/mo
Deposit HK$468K · loan HK$701K · min. income ≈ HK$7,500/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,731
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,847
−HK$118/mo
Today · 4.125%
HK$3,965
baseline
▲ 0.50% · 4.625%
HK$4,207
+HK$242/mo
Deposit HK$351K · loan HK$818K · min. income ≈ HK$7,930/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,151
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,262
−HK$113/mo
Today · 4.125%
HK$4,375
baseline
▲ 0.50% · 4.625%
HK$4,606
+HK$231/mo
Deposit HK$351K · loan HK$818K · min. income ≈ HK$8,750/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,797
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,947
−HK$151/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,408
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,196/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,337
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,480
−HK$145/mo
Today · 4.125%
HK$5,625
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$297/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,250/mo (50% DSR)
Upfront cash ≈ HK$117K (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).