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$2,874
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,963
−HK$91/mo
Today · 4.125%
HK$3,054
baseline
▲ 0.50% · 4.625%
HK$3,240
+HK$186/mo
Deposit HK$630K · loan HK$630K · min. income ≈ HK$6,108/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$3,197
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,283
−HK$87/mo
Today · 4.125%
HK$3,370
baseline
▲ 0.50% · 4.625%
HK$3,548
+HK$178/mo
Deposit HK$630K · loan HK$630K · min. income ≈ HK$6,740/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$3,449
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,556
−HK$109/mo
Today · 4.125%
HK$3,665
baseline
▲ 0.50% · 4.625%
HK$3,888
+HK$223/mo
Deposit HK$504K · loan HK$756K · min. income ≈ HK$7,330/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$3,837
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,940
−HK$104/mo
Today · 4.125%
HK$4,044
baseline
▲ 0.50% · 4.625%
HK$4,257
+HK$213/mo
Deposit HK$504K · loan HK$756K · min. income ≈ HK$8,088/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$4,024
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,149
−HK$127/mo
Today · 4.125%
HK$4,276
baseline
▲ 0.50% · 4.625%
HK$4,536
+HK$260/mo
Deposit HK$378K · loan HK$882K · min. income ≈ HK$8,552/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$4,476
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,596
−HK$122/mo
Today · 4.125%
HK$4,718
baseline
▲ 0.50% · 4.625%
HK$4,967
+HK$249/mo
Deposit HK$378K · loan HK$882K · min. income ≈ HK$9,436/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$5,173
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,334
−HK$164/mo
Today · 4.125%
HK$5,498
baseline
▲ 0.50% · 4.625%
HK$5,832
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,996/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$5,755
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,910
−HK$156/mo
Today · 4.125%
HK$6,066
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$320/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,132/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).