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$2,747
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,832
−HK$87/mo
Today · 4.125%
HK$2,919
baseline
▲ 0.50% · 4.625%
HK$3,097
+HK$178/mo
Deposit HK$602K · loan HK$602K · min. income ≈ HK$5,838/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,056
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,138
−HK$83/mo
Today · 4.125%
HK$3,221
baseline
▲ 0.50% · 4.625%
HK$3,391
+HK$170/mo
Deposit HK$602K · loan HK$602K · min. income ≈ HK$6,442/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,296
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,399
−HK$104/mo
Today · 4.125%
HK$3,503
baseline
▲ 0.50% · 4.625%
HK$3,716
+HK$213/mo
Deposit HK$482K · loan HK$723K · min. income ≈ HK$7,006/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,667
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,765
−HK$100/mo
Today · 4.125%
HK$3,865
baseline
▲ 0.50% · 4.625%
HK$4,069
+HK$204/mo
Deposit HK$482K · loan HK$723K · min. income ≈ HK$7,730/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,845
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,965
−HK$122/mo
Today · 4.125%
HK$4,087
baseline
▲ 0.50% · 4.625%
HK$4,335
+HK$248/mo
Deposit HK$361K · loan HK$843K · min. income ≈ HK$8,174/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,278
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,393
−HK$116/mo
Today · 4.125%
HK$4,509
baseline
▲ 0.50% · 4.625%
HK$4,747
+HK$238/mo
Deposit HK$361K · loan HK$843K · min. income ≈ HK$9,018/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,944
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,098
−HK$156/mo
Today · 4.125%
HK$5,254
baseline
▲ 0.50% · 4.625%
HK$5,574
+HK$320/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,508/mo (50% DSR)
Upfront cash ≈ HK$121K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,500
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,648
−HK$149/mo
Today · 4.125%
HK$5,797
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$306/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,594/mo (50% DSR)
Upfront cash ≈ HK$121K (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).