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$2,897
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,987
−HK$92/mo
Today · 4.125%
HK$3,079
baseline
▲ 0.50% · 4.625%
HK$3,266
+HK$187/mo
Deposit HK$635K · loan HK$635K · min. income ≈ HK$6,158/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$3,223
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,309
−HK$88/mo
Today · 4.125%
HK$3,397
baseline
▲ 0.50% · 4.625%
HK$3,576
+HK$179/mo
Deposit HK$635K · loan HK$635K · min. income ≈ HK$6,794/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$3,477
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,585
−HK$110/mo
Today · 4.125%
HK$3,695
baseline
▲ 0.50% · 4.625%
HK$3,919
+HK$224/mo
Deposit HK$508K · loan HK$762K · min. income ≈ HK$7,390/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$3,868
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,971
−HK$106/mo
Today · 4.125%
HK$4,077
baseline
▲ 0.50% · 4.625%
HK$4,291
+HK$214/mo
Deposit HK$508K · loan HK$762K · min. income ≈ HK$8,154/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$4,056
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,182
−HK$128/mo
Today · 4.125%
HK$4,310
baseline
▲ 0.50% · 4.625%
HK$4,573
+HK$263/mo
Deposit HK$381K · loan HK$889K · min. income ≈ HK$8,620/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$4,512
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,633
−HK$123/mo
Today · 4.125%
HK$4,756
baseline
▲ 0.50% · 4.625%
HK$5,007
+HK$251/mo
Deposit HK$381K · loan HK$889K · min. income ≈ HK$9,512/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$5,215
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$165/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$337/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,084/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$5,801
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,957
−HK$158/mo
Today · 4.125%
HK$6,115
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$322/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,230/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).