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$2,839
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,927
−HK$90/mo
Today · 4.125%
HK$3,017
baseline
▲ 0.50% · 4.625%
HK$3,201
+HK$184/mo
Deposit HK$623K · loan HK$623K · min. income ≈ HK$6,034/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,158
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,243
−HK$86/mo
Today · 4.125%
HK$3,329
baseline
▲ 0.50% · 4.625%
HK$3,504
+HK$175/mo
Deposit HK$623K · loan HK$623K · min. income ≈ HK$6,658/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,407
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,513
−HK$107/mo
Today · 4.125%
HK$3,620
baseline
▲ 0.50% · 4.625%
HK$3,841
+HK$221/mo
Deposit HK$498K · loan HK$747K · min. income ≈ HK$7,240/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,790
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,892
−HK$103/mo
Today · 4.125%
HK$3,995
baseline
▲ 0.50% · 4.625%
HK$4,205
+HK$210/mo
Deposit HK$498K · loan HK$747K · min. income ≈ HK$7,990/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,975
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,098
−HK$126/mo
Today · 4.125%
HK$4,224
baseline
▲ 0.50% · 4.625%
HK$4,481
+HK$257/mo
Deposit HK$374K · loan HK$872K · min. income ≈ HK$8,448/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,422
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,540
−HK$121/mo
Today · 4.125%
HK$4,661
baseline
▲ 0.50% · 4.625%
HK$4,906
+HK$245/mo
Deposit HK$374K · loan HK$872K · min. income ≈ HK$9,322/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,110
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$162/mo
Today · 4.125%
HK$5,431
baseline
▲ 0.50% · 4.625%
HK$5,761
+HK$330/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$10,862/mo (50% DSR)
Upfront cash ≈ HK$125K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,685
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,838
−HK$154/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,308
+HK$316/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$11,984/mo (50% DSR)
Upfront cash ≈ HK$125K (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).