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$2,916
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,006
−HK$92/mo
Today · 4.125%
HK$3,098
baseline
▲ 0.50% · 4.625%
HK$3,287
+HK$189/mo
Deposit HK$639K · loan HK$639K · min. income ≈ HK$6,196/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,243
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,330
−HK$89/mo
Today · 4.125%
HK$3,419
baseline
▲ 0.50% · 4.625%
HK$3,599
+HK$180/mo
Deposit HK$639K · loan HK$639K · min. income ≈ HK$6,838/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,499
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,607
−HK$111/mo
Today · 4.125%
HK$3,718
baseline
▲ 0.50% · 4.625%
HK$3,944
+HK$226/mo
Deposit HK$511K · loan HK$767K · min. income ≈ HK$7,436/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,892
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,997
−HK$105/mo
Today · 4.125%
HK$4,102
baseline
▲ 0.50% · 4.625%
HK$4,319
+HK$217/mo
Deposit HK$511K · loan HK$767K · min. income ≈ HK$8,204/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,082
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,209
−HK$129/mo
Today · 4.125%
HK$4,338
baseline
▲ 0.50% · 4.625%
HK$4,602
+HK$264/mo
Deposit HK$384K · loan HK$895K · min. income ≈ HK$8,676/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,541
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,663
−HK$123/mo
Today · 4.125%
HK$4,786
baseline
▲ 0.50% · 4.625%
HK$5,038
+HK$252/mo
Deposit HK$384K · loan HK$895K · min. income ≈ HK$9,572/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,248
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,411
−HK$166/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,916
+HK$339/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,154/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,838
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$159/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,478
+HK$324/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,308/mo (50% DSR)
Upfront cash ≈ HK$128K (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).