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$2,740
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,825
−HK$87/mo
Today · 4.125%
HK$2,912
baseline
▲ 0.50% · 4.625%
HK$3,089
+HK$177/mo
Deposit HK$601K · loan HK$601K · min. income ≈ HK$5,824/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,048
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,130
−HK$83/mo
Today · 4.125%
HK$3,213
baseline
▲ 0.50% · 4.625%
HK$3,382
+HK$169/mo
Deposit HK$601K · loan HK$601K · min. income ≈ HK$6,426/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,288
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,390
−HK$104/mo
Today · 4.125%
HK$3,494
baseline
▲ 0.50% · 4.625%
HK$3,707
+HK$213/mo
Deposit HK$481K · loan HK$721K · min. income ≈ HK$6,988/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,658
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,756
−HK$99/mo
Today · 4.125%
HK$3,855
baseline
▲ 0.50% · 4.625%
HK$4,059
+HK$204/mo
Deposit HK$481K · loan HK$721K · min. income ≈ HK$7,710/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,836
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,955
−HK$121/mo
Today · 4.125%
HK$4,076
baseline
▲ 0.50% · 4.625%
HK$4,324
+HK$248/mo
Deposit HK$360K · loan HK$841K · min. income ≈ HK$8,152/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,267
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,382
−HK$116/mo
Today · 4.125%
HK$4,498
baseline
▲ 0.50% · 4.625%
HK$4,735
+HK$237/mo
Deposit HK$360K · loan HK$841K · min. income ≈ HK$8,996/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,932
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$156/mo
Today · 4.125%
HK$5,241
baseline
▲ 0.50% · 4.625%
HK$5,560
+HK$319/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,482/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,487
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,634
−HK$149/mo
Today · 4.125%
HK$5,783
baseline
▲ 0.50% · 4.625%
HK$6,088
+HK$305/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,566/mo (50% DSR)
Upfront cash ≈ HK$120K (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).