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$2,581
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,661
−HK$82/mo
Today · 4.125%
HK$2,743
baseline
▲ 0.50% · 4.625%
HK$2,910
+HK$167/mo
Deposit HK$566K · loan HK$566K · min. income ≈ HK$5,486/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,871
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,948
−HK$78/mo
Today · 4.125%
HK$3,026
baseline
▲ 0.50% · 4.625%
HK$3,186
+HK$160/mo
Deposit HK$566K · loan HK$566K · min. income ≈ HK$6,052/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,097
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,194
−HK$97/mo
Today · 4.125%
HK$3,291
baseline
▲ 0.50% · 4.625%
HK$3,492
+HK$201/mo
Deposit HK$453K · loan HK$679K · min. income ≈ HK$6,582/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,446
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,538
−HK$94/mo
Today · 4.125%
HK$3,632
baseline
▲ 0.50% · 4.625%
HK$3,823
+HK$191/mo
Deposit HK$453K · loan HK$679K · min. income ≈ HK$7,264/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,613
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,726
−HK$114/mo
Today · 4.125%
HK$3,840
baseline
▲ 0.50% · 4.625%
HK$4,074
+HK$234/mo
Deposit HK$340K · loan HK$792K · min. income ≈ HK$7,680/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,020
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,128
−HK$109/mo
Today · 4.125%
HK$4,237
baseline
▲ 0.50% · 4.625%
HK$4,460
+HK$223/mo
Deposit HK$340K · loan HK$792K · min. income ≈ HK$8,474/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,646
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,790
−HK$147/mo
Today · 4.125%
HK$4,937
baseline
▲ 0.50% · 4.625%
HK$5,237
+HK$300/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$9,874/mo (50% DSR)
Upfront cash ≈ HK$113K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,168
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,307
−HK$141/mo
Today · 4.125%
HK$5,448
baseline
▲ 0.50% · 4.625%
HK$5,735
+HK$287/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$10,896/mo (50% DSR)
Upfront cash ≈ HK$113K (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).