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$2,797
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,884
−HK$88/mo
Today · 4.125%
HK$2,972
baseline
▲ 0.50% · 4.625%
HK$3,153
+HK$181/mo
Deposit HK$613K · loan HK$613K · min. income ≈ HK$5,944/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,112
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,195
−HK$85/mo
Today · 4.125%
HK$3,280
baseline
▲ 0.50% · 4.625%
HK$3,453
+HK$173/mo
Deposit HK$613K · loan HK$613K · min. income ≈ HK$6,560/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,356
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,461
−HK$106/mo
Today · 4.125%
HK$3,567
baseline
▲ 0.50% · 4.625%
HK$3,784
+HK$217/mo
Deposit HK$491K · loan HK$736K · min. income ≈ HK$7,134/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,734
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,834
−HK$102/mo
Today · 4.125%
HK$3,936
baseline
▲ 0.50% · 4.625%
HK$4,143
+HK$207/mo
Deposit HK$491K · loan HK$736K · min. income ≈ HK$7,872/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,916
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,038
−HK$123/mo
Today · 4.125%
HK$4,161
baseline
▲ 0.50% · 4.625%
HK$4,415
+HK$254/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$8,322/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,356
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,473
−HK$119/mo
Today · 4.125%
HK$4,592
baseline
▲ 0.50% · 4.625%
HK$4,834
+HK$242/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$9,184/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,191
−HK$159/mo
Today · 4.125%
HK$5,350
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$326/mo
Deposit HK$123K · loan HK$1.10M · min. income ≈ HK$10,700/mo (50% DSR)
Upfront cash ≈ HK$123K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,601
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$153/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$311/mo
Deposit HK$123K · loan HK$1.10M · min. income ≈ HK$11,808/mo (50% DSR)
Upfront cash ≈ HK$123K (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).