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$2,538
−HK$159/mo
▼ 0.25% · 3.875%
HK$2,617
−HK$80/mo
Today · 4.125%
HK$2,697
baseline
▲ 0.50% · 4.625%
HK$2,862
+HK$165/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,394/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$2,824
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,900
−HK$76/mo
Today · 4.125%
HK$2,976
baseline
▲ 0.50% · 4.625%
HK$3,133
+HK$157/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,952/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$3,046
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,141
−HK$96/mo
Today · 4.125%
HK$3,237
baseline
▲ 0.50% · 4.625%
HK$3,434
+HK$197/mo
Deposit HK$445K · loan HK$668K · min. income ≈ HK$6,474/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,389
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,479
−HK$93/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,760
+HK$188/mo
Deposit HK$445K · loan HK$668K · min. income ≈ HK$7,144/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,554
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,664
−HK$112/mo
Today · 4.125%
HK$3,776
baseline
▲ 0.50% · 4.625%
HK$4,006
+HK$230/mo
Deposit HK$334K · loan HK$779K · min. income ≈ HK$7,552/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$3,953
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,059
−HK$108/mo
Today · 4.125%
HK$4,167
baseline
▲ 0.50% · 4.625%
HK$4,387
+HK$220/mo
Deposit HK$334K · loan HK$779K · min. income ≈ HK$8,334/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$4,569
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$144/mo
Today · 4.125%
HK$4,855
baseline
▲ 0.50% · 4.625%
HK$5,151
+HK$296/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$9,710/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$5,083
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$138/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,640
+HK$283/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$10,714/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).