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$2,889
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,979
−HK$92/mo
Today · 4.125%
HK$3,071
baseline
▲ 0.50% · 4.625%
HK$3,258
+HK$187/mo
Deposit HK$634K · loan HK$634K · min. income ≈ HK$6,142/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,215
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,301
−HK$87/mo
Today · 4.125%
HK$3,388
baseline
▲ 0.50% · 4.625%
HK$3,567
+HK$179/mo
Deposit HK$634K · loan HK$634K · min. income ≈ HK$6,776/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,467
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,575
−HK$110/mo
Today · 4.125%
HK$3,685
baseline
▲ 0.50% · 4.625%
HK$3,909
+HK$224/mo
Deposit HK$507K · loan HK$760K · min. income ≈ HK$7,370/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,857
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,961
−HK$105/mo
Today · 4.125%
HK$4,066
baseline
▲ 0.50% · 4.625%
HK$4,280
+HK$214/mo
Deposit HK$507K · loan HK$760K · min. income ≈ HK$8,132/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,045
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,171
−HK$128/mo
Today · 4.125%
HK$4,299
baseline
▲ 0.50% · 4.625%
HK$4,561
+HK$262/mo
Deposit HK$380K · loan HK$887K · min. income ≈ HK$8,598/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,500
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,621
−HK$122/mo
Today · 4.125%
HK$4,743
baseline
▲ 0.50% · 4.625%
HK$4,993
+HK$250/mo
Deposit HK$380K · loan HK$887K · min. income ≈ HK$9,486/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,201
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,363
−HK$164/mo
Today · 4.125%
HK$5,527
baseline
▲ 0.50% · 4.625%
HK$5,864
+HK$337/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,054/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$5,786
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,941
−HK$158/mo
Today · 4.125%
HK$6,099
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$321/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,198/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).