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$2,550
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,629
−HK$81/mo
Today · 4.125%
HK$2,710
baseline
▲ 0.50% · 4.625%
HK$2,874
+HK$164/mo
Deposit HK$559K · loan HK$559K · min. income ≈ HK$5,420/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,836
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,913
−HK$77/mo
Today · 4.125%
HK$2,990
baseline
▲ 0.50% · 4.625%
HK$3,147
+HK$157/mo
Deposit HK$559K · loan HK$559K · min. income ≈ HK$5,980/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,060
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,155
−HK$96/mo
Today · 4.125%
HK$3,251
baseline
▲ 0.50% · 4.625%
HK$3,449
+HK$198/mo
Deposit HK$447K · loan HK$671K · min. income ≈ HK$6,502/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,404
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,495
−HK$93/mo
Today · 4.125%
HK$3,588
baseline
▲ 0.50% · 4.625%
HK$3,777
+HK$189/mo
Deposit HK$447K · loan HK$671K · min. income ≈ HK$7,176/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,569
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,681
−HK$112/mo
Today · 4.125%
HK$3,793
baseline
▲ 0.50% · 4.625%
HK$4,024
+HK$231/mo
Deposit HK$335K · loan HK$783K · min. income ≈ HK$7,586/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$3,971
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,078
−HK$108/mo
Today · 4.125%
HK$4,186
baseline
▲ 0.50% · 4.625%
HK$4,406
+HK$220/mo
Deposit HK$335K · loan HK$783K · min. income ≈ HK$8,372/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$4,589
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,732
−HK$145/mo
Today · 4.125%
HK$4,877
baseline
▲ 0.50% · 4.625%
HK$5,174
+HK$297/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$9,754/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$5,106
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,243
−HK$138/mo
Today · 4.125%
HK$5,381
baseline
▲ 0.50% · 4.625%
HK$5,665
+HK$284/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$10,762/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).