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$2,835
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,924
−HK$89/mo
Today · 4.125%
HK$3,013
baseline
▲ 0.50% · 4.625%
HK$3,196
+HK$183/mo
Deposit HK$622K · loan HK$622K · min. income ≈ HK$6,026/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,154
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,239
−HK$86/mo
Today · 4.125%
HK$3,325
baseline
▲ 0.50% · 4.625%
HK$3,500
+HK$175/mo
Deposit HK$622K · loan HK$622K · min. income ≈ HK$6,650/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,402
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,508
−HK$108/mo
Today · 4.125%
HK$3,616
baseline
▲ 0.50% · 4.625%
HK$3,836
+HK$220/mo
Deposit HK$497K · loan HK$746K · min. income ≈ HK$7,232/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,785
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,887
−HK$103/mo
Today · 4.125%
HK$3,990
baseline
▲ 0.50% · 4.625%
HK$4,200
+HK$210/mo
Deposit HK$497K · loan HK$746K · min. income ≈ HK$7,980/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,969
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,093
−HK$125/mo
Today · 4.125%
HK$4,218
baseline
▲ 0.50% · 4.625%
HK$4,475
+HK$257/mo
Deposit HK$373K · loan HK$870K · min. income ≈ HK$8,436/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,416
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,534
−HK$121/mo
Today · 4.125%
HK$4,655
baseline
▲ 0.50% · 4.625%
HK$4,900
+HK$245/mo
Deposit HK$373K · loan HK$870K · min. income ≈ HK$9,310/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,104
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,262
−HK$162/mo
Today · 4.125%
HK$5,424
baseline
▲ 0.50% · 4.625%
HK$5,754
+HK$330/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$10,848/mo (50% DSR)
Upfront cash ≈ HK$124K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,678
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,830
−HK$154/mo
Today · 4.125%
HK$5,984
baseline
▲ 0.50% · 4.625%
HK$6,300
+HK$316/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$11,968/mo (50% DSR)
Upfront cash ≈ HK$124K (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).