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$2,554
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,634
−HK$80/mo
Today · 4.125%
HK$2,714
baseline
▲ 0.50% · 4.625%
HK$2,879
+HK$165/mo
Deposit HK$560K · loan HK$560K · min. income ≈ HK$5,428/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,841
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,918
−HK$77/mo
Today · 4.125%
HK$2,995
baseline
▲ 0.50% · 4.625%
HK$3,153
+HK$158/mo
Deposit HK$560K · loan HK$560K · min. income ≈ HK$5,990/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,065
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,160
−HK$97/mo
Today · 4.125%
HK$3,257
baseline
▲ 0.50% · 4.625%
HK$3,455
+HK$198/mo
Deposit HK$448K · loan HK$672K · min. income ≈ HK$6,514/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,410
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,501
−HK$93/mo
Today · 4.125%
HK$3,594
baseline
▲ 0.50% · 4.625%
HK$3,783
+HK$189/mo
Deposit HK$448K · loan HK$672K · min. income ≈ HK$7,188/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,576
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,687
−HK$113/mo
Today · 4.125%
HK$3,800
baseline
▲ 0.50% · 4.625%
HK$4,031
+HK$231/mo
Deposit HK$336K · loan HK$784K · min. income ≈ HK$7,600/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,978
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,085
−HK$108/mo
Today · 4.125%
HK$4,193
baseline
▲ 0.50% · 4.625%
HK$4,414
+HK$221/mo
Deposit HK$336K · loan HK$784K · min. income ≈ HK$8,386/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,597
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,740
−HK$146/mo
Today · 4.125%
HK$4,886
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$297/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$9,772/mo (50% DSR)
Upfront cash ≈ HK$112K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,115
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,252
−HK$139/mo
Today · 4.125%
HK$5,391
baseline
▲ 0.50% · 4.625%
HK$5,675
+HK$284/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$10,782/mo (50% DSR)
Upfront cash ≈ HK$112K (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).