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$2,896
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,986
−HK$92/mo
Today · 4.125%
HK$3,078
baseline
▲ 0.50% · 4.625%
HK$3,265
+HK$187/mo
Deposit HK$635K · loan HK$635K · min. income ≈ HK$6,156/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,222
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,308
−HK$88/mo
Today · 4.125%
HK$3,396
baseline
▲ 0.50% · 4.625%
HK$3,575
+HK$179/mo
Deposit HK$635K · loan HK$635K · min. income ≈ HK$6,792/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,475
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,583
−HK$110/mo
Today · 4.125%
HK$3,693
baseline
▲ 0.50% · 4.625%
HK$3,918
+HK$225/mo
Deposit HK$508K · loan HK$762K · min. income ≈ HK$7,386/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,866
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,970
−HK$105/mo
Today · 4.125%
HK$4,075
baseline
▲ 0.50% · 4.625%
HK$4,290
+HK$215/mo
Deposit HK$508K · loan HK$762K · min. income ≈ HK$8,150/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,054
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,181
−HK$128/mo
Today · 4.125%
HK$4,309
baseline
▲ 0.50% · 4.625%
HK$4,571
+HK$262/mo
Deposit HK$381K · loan HK$889K · min. income ≈ HK$8,618/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,510
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,631
−HK$123/mo
Today · 4.125%
HK$4,754
baseline
▲ 0.50% · 4.625%
HK$5,005
+HK$251/mo
Deposit HK$381K · loan HK$889K · min. income ≈ HK$9,508/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,213
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,375
−HK$165/mo
Today · 4.125%
HK$5,540
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$337/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,080/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,799
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,955
−HK$158/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,435
+HK$322/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,226/mo (50% DSR)
Upfront cash ≈ HK$127K (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).