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$2,859
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,948
−HK$90/mo
Today · 4.125%
HK$3,038
baseline
▲ 0.50% · 4.625%
HK$3,223
+HK$185/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,076/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,180
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,266
−HK$86/mo
Today · 4.125%
HK$3,352
baseline
▲ 0.50% · 4.625%
HK$3,529
+HK$177/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,704/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,431
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,537
−HK$109/mo
Today · 4.125%
HK$3,646
baseline
▲ 0.50% · 4.625%
HK$3,867
+HK$221/mo
Deposit HK$501K · loan HK$752K · min. income ≈ HK$7,292/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,816
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,919
−HK$104/mo
Today · 4.125%
HK$4,023
baseline
▲ 0.50% · 4.625%
HK$4,235
+HK$212/mo
Deposit HK$501K · loan HK$752K · min. income ≈ HK$8,046/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,002
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,127
−HK$126/mo
Today · 4.125%
HK$4,253
baseline
▲ 0.50% · 4.625%
HK$4,512
+HK$259/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$8,506/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,452
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,572
−HK$121/mo
Today · 4.125%
HK$4,693
baseline
▲ 0.50% · 4.625%
HK$4,940
+HK$247/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$9,386/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,146
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$162/mo
Today · 4.125%
HK$5,468
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$333/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$10,936/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$5,725
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$156/mo
Today · 4.125%
HK$6,034
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$318/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$12,068/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).