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$2,633
−HK$165/mo
▼ 0.25% · 3.875%
HK$2,715
−HK$83/mo
Today · 4.125%
HK$2,798
baseline
▲ 0.50% · 4.625%
HK$2,968
+HK$170/mo
Deposit HK$577K · loan HK$577K · min. income ≈ HK$5,596/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,929
−HK$158/mo
▼ 0.25% · 3.875%
HK$3,008
−HK$79/mo
Today · 4.125%
HK$3,087
baseline
▲ 0.50% · 4.625%
HK$3,250
+HK$163/mo
Deposit HK$577K · loan HK$577K · min. income ≈ HK$6,174/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,160
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,258
−HK$100/mo
Today · 4.125%
HK$3,358
baseline
▲ 0.50% · 4.625%
HK$3,562
+HK$204/mo
Deposit HK$462K · loan HK$693K · min. income ≈ HK$6,716/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,515
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,609
−HK$96/mo
Today · 4.125%
HK$3,705
baseline
▲ 0.50% · 4.625%
HK$3,900
+HK$195/mo
Deposit HK$462K · loan HK$693K · min. income ≈ HK$7,410/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,686
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,801
−HK$116/mo
Today · 4.125%
HK$3,917
baseline
▲ 0.50% · 4.625%
HK$4,156
+HK$239/mo
Deposit HK$346K · loan HK$808K · min. income ≈ HK$7,834/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,101
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,211
−HK$111/mo
Today · 4.125%
HK$4,322
baseline
▲ 0.50% · 4.625%
HK$4,550
+HK$228/mo
Deposit HK$346K · loan HK$808K · min. income ≈ HK$8,644/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,739
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,887
−HK$150/mo
Today · 4.125%
HK$5,037
baseline
▲ 0.50% · 4.625%
HK$5,343
+HK$306/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$10,074/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,273
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,414
−HK$143/mo
Today · 4.125%
HK$5,557
baseline
▲ 0.50% · 4.625%
HK$5,850
+HK$293/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$11,114/mo (50% DSR)
Upfront cash ≈ HK$116K (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).