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$2,749
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,835
−HK$87/mo
Today · 4.125%
HK$2,922
baseline
▲ 0.50% · 4.625%
HK$3,099
+HK$177/mo
Deposit HK$603K · loan HK$603K · min. income ≈ HK$5,844/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,059
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,141
−HK$83/mo
Today · 4.125%
HK$3,224
baseline
▲ 0.50% · 4.625%
HK$3,394
+HK$170/mo
Deposit HK$603K · loan HK$603K · min. income ≈ HK$6,448/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,299
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,402
−HK$104/mo
Today · 4.125%
HK$3,506
baseline
▲ 0.50% · 4.625%
HK$3,719
+HK$213/mo
Deposit HK$482K · loan HK$723K · min. income ≈ HK$7,012/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,670
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,769
−HK$100/mo
Today · 4.125%
HK$3,869
baseline
▲ 0.50% · 4.625%
HK$4,072
+HK$203/mo
Deposit HK$482K · loan HK$723K · min. income ≈ HK$7,738/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,849
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,969
−HK$121/mo
Today · 4.125%
HK$4,090
baseline
▲ 0.50% · 4.625%
HK$4,339
+HK$249/mo
Deposit HK$362K · loan HK$844K · min. income ≈ HK$8,180/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,282
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,397
−HK$116/mo
Today · 4.125%
HK$4,513
baseline
▲ 0.50% · 4.625%
HK$4,751
+HK$238/mo
Deposit HK$362K · loan HK$844K · min. income ≈ HK$9,026/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,949
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,103
−HK$156/mo
Today · 4.125%
HK$5,259
baseline
▲ 0.50% · 4.625%
HK$5,579
+HK$320/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$10,518/mo (50% DSR)
Upfront cash ≈ HK$121K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,505
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,653
−HK$150/mo
Today · 4.125%
HK$5,803
baseline
▲ 0.50% · 4.625%
HK$6,109
+HK$306/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$11,606/mo (50% DSR)
Upfront cash ≈ HK$121K (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).