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$2,952
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,044
−HK$94/mo
Today · 4.125%
HK$3,138
baseline
▲ 0.50% · 4.625%
HK$3,328
+HK$190/mo
Deposit HK$647K · loan HK$647K · min. income ≈ HK$6,276/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,285
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,373
−HK$89/mo
Today · 4.125%
HK$3,462
baseline
▲ 0.50% · 4.625%
HK$3,644
+HK$182/mo
Deposit HK$647K · loan HK$647K · min. income ≈ HK$6,924/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,543
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,653
−HK$112/mo
Today · 4.125%
HK$3,765
baseline
▲ 0.50% · 4.625%
HK$3,994
+HK$229/mo
Deposit HK$518K · loan HK$777K · min. income ≈ HK$7,530/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,941
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,047
−HK$107/mo
Today · 4.125%
HK$4,154
baseline
▲ 0.50% · 4.625%
HK$4,373
+HK$219/mo
Deposit HK$518K · loan HK$777K · min. income ≈ HK$8,308/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,133
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,262
−HK$131/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,660
+HK$267/mo
Deposit HK$388K · loan HK$906K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,598
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,722
−HK$125/mo
Today · 4.125%
HK$4,847
baseline
▲ 0.50% · 4.625%
HK$5,102
+HK$255/mo
Deposit HK$388K · loan HK$906K · min. income ≈ HK$9,694/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,314
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,480
−HK$168/mo
Today · 4.125%
HK$5,648
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$343/mo
Deposit HK$129K · loan HK$1.17M · min. income ≈ HK$11,296/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,912
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$161/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$328/mo
Deposit HK$129K · loan HK$1.17M · min. income ≈ HK$12,464/mo (50% DSR)
Upfront cash ≈ HK$130K (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).