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$2,658
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,741
−HK$84/mo
Today · 4.125%
HK$2,825
baseline
▲ 0.50% · 4.625%
HK$2,997
+HK$172/mo
Deposit HK$583K · loan HK$583K · min. income ≈ HK$5,650/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,957
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,037
−HK$80/mo
Today · 4.125%
HK$3,117
baseline
▲ 0.50% · 4.625%
HK$3,281
+HK$164/mo
Deposit HK$583K · loan HK$583K · min. income ≈ HK$6,234/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,190
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,289
−HK$101/mo
Today · 4.125%
HK$3,390
baseline
▲ 0.50% · 4.625%
HK$3,596
+HK$206/mo
Deposit HK$466K · loan HK$699K · min. income ≈ HK$6,780/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,549
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,644
−HK$96/mo
Today · 4.125%
HK$3,740
baseline
▲ 0.50% · 4.625%
HK$3,938
+HK$198/mo
Deposit HK$466K · loan HK$699K · min. income ≈ HK$7,480/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,721
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,837
−HK$118/mo
Today · 4.125%
HK$3,955
baseline
▲ 0.50% · 4.625%
HK$4,195
+HK$240/mo
Deposit HK$350K · loan HK$816K · min. income ≈ HK$7,910/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,140
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,251
−HK$113/mo
Today · 4.125%
HK$4,364
baseline
▲ 0.50% · 4.625%
HK$4,594
+HK$230/mo
Deposit HK$350K · loan HK$816K · min. income ≈ HK$8,728/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,785
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,934
−HK$151/mo
Today · 4.125%
HK$5,085
baseline
▲ 0.50% · 4.625%
HK$5,394
+HK$309/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,170/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$5,323
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,466
−HK$145/mo
Today · 4.125%
HK$5,611
baseline
▲ 0.50% · 4.625%
HK$5,906
+HK$295/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,222/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).