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$2,681
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,765
−HK$85/mo
Today · 4.125%
HK$2,850
baseline
▲ 0.50% · 4.625%
HK$3,023
+HK$173/mo
Deposit HK$588K · loan HK$588K · min. income ≈ HK$5,700/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,983
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,063
−HK$81/mo
Today · 4.125%
HK$3,144
baseline
▲ 0.50% · 4.625%
HK$3,310
+HK$166/mo
Deposit HK$588K · loan HK$588K · min. income ≈ HK$6,288/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,218
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,318
−HK$101/mo
Today · 4.125%
HK$3,419
baseline
▲ 0.50% · 4.625%
HK$3,627
+HK$208/mo
Deposit HK$470K · loan HK$706K · min. income ≈ HK$6,838/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,580
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,676
−HK$97/mo
Today · 4.125%
HK$3,773
baseline
▲ 0.50% · 4.625%
HK$3,972
+HK$199/mo
Deposit HK$470K · loan HK$706K · min. income ≈ HK$7,546/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,754
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,871
−HK$118/mo
Today · 4.125%
HK$3,989
baseline
▲ 0.50% · 4.625%
HK$4,232
+HK$243/mo
Deposit HK$353K · loan HK$823K · min. income ≈ HK$7,978/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,176
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,288
−HK$114/mo
Today · 4.125%
HK$4,402
baseline
▲ 0.50% · 4.625%
HK$4,634
+HK$232/mo
Deposit HK$353K · loan HK$823K · min. income ≈ HK$8,804/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,826
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,977
−HK$152/mo
Today · 4.125%
HK$5,129
baseline
▲ 0.50% · 4.625%
HK$5,441
+HK$312/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,258/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,369
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,513
−HK$146/mo
Today · 4.125%
HK$5,659
baseline
▲ 0.50% · 4.625%
HK$5,958
+HK$299/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,318/mo (50% DSR)
Upfront cash ≈ HK$118K (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).