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$2,539
−HK$159/mo
▼ 0.25% · 3.875%
HK$2,618
−HK$80/mo
Today · 4.125%
HK$2,698
baseline
▲ 0.50% · 4.625%
HK$2,862
+HK$164/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,396/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,824
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,900
−HK$77/mo
Today · 4.125%
HK$2,977
baseline
▲ 0.50% · 4.625%
HK$3,134
+HK$157/mo
Deposit HK$557K · loan HK$557K · min. income ≈ HK$5,954/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,046
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,141
−HK$97/mo
Today · 4.125%
HK$3,238
baseline
▲ 0.50% · 4.625%
HK$3,435
+HK$197/mo
Deposit HK$445K · loan HK$668K · min. income ≈ HK$6,476/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,389
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,480
−HK$92/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,761
+HK$189/mo
Deposit HK$445K · loan HK$668K · min. income ≈ HK$7,144/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,554
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,665
−HK$112/mo
Today · 4.125%
HK$3,777
baseline
▲ 0.50% · 4.625%
HK$4,007
+HK$230/mo
Deposit HK$334K · loan HK$779K · min. income ≈ HK$7,554/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,954
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,060
−HK$108/mo
Today · 4.125%
HK$4,168
baseline
▲ 0.50% · 4.625%
HK$4,387
+HK$219/mo
Deposit HK$334K · loan HK$779K · min. income ≈ HK$8,336/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,570
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$144/mo
Today · 4.125%
HK$4,856
baseline
▲ 0.50% · 4.625%
HK$5,152
+HK$296/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$9,712/mo (50% DSR)
Upfront cash ≈ HK$111K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,084
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,220
−HK$138/mo
Today · 4.125%
HK$5,358
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$283/mo
Deposit HK$111K · loan HK$1.00M · min. income ≈ HK$10,716/mo (50% DSR)
Upfront cash ≈ HK$111K (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).