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$2,871
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,960
−HK$91/mo
Today · 4.125%
HK$3,051
baseline
▲ 0.50% · 4.625%
HK$3,237
+HK$186/mo
Deposit HK$630K · loan HK$630K · min. income ≈ HK$6,102/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,194
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,280
−HK$87/mo
Today · 4.125%
HK$3,367
baseline
▲ 0.50% · 4.625%
HK$3,544
+HK$177/mo
Deposit HK$630K · loan HK$630K · min. income ≈ HK$6,734/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,445
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,553
−HK$108/mo
Today · 4.125%
HK$3,661
baseline
▲ 0.50% · 4.625%
HK$3,884
+HK$223/mo
Deposit HK$504K · loan HK$755K · min. income ≈ HK$7,322/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,833
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,936
−HK$104/mo
Today · 4.125%
HK$4,040
baseline
▲ 0.50% · 4.625%
HK$4,253
+HK$213/mo
Deposit HK$504K · loan HK$755K · min. income ≈ HK$8,080/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,020
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,145
−HK$127/mo
Today · 4.125%
HK$4,272
baseline
▲ 0.50% · 4.625%
HK$4,532
+HK$260/mo
Deposit HK$378K · loan HK$881K · min. income ≈ HK$8,544/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,472
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,592
−HK$121/mo
Today · 4.125%
HK$4,713
baseline
▲ 0.50% · 4.625%
HK$4,962
+HK$249/mo
Deposit HK$378K · loan HK$881K · min. income ≈ HK$9,426/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,168
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,329
−HK$163/mo
Today · 4.125%
HK$5,492
baseline
▲ 0.50% · 4.625%
HK$5,826
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,984/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,749
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,904
−HK$156/mo
Today · 4.125%
HK$6,060
baseline
▲ 0.50% · 4.625%
HK$6,379
+HK$319/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,120/mo (50% DSR)
Upfront cash ≈ HK$126K (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).