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$2,676
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,759
−HK$85/mo
Today · 4.125%
HK$2,844
baseline
▲ 0.50% · 4.625%
HK$3,017
+HK$173/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$5,688/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,977
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,057
−HK$81/mo
Today · 4.125%
HK$3,138
baseline
▲ 0.50% · 4.625%
HK$3,303
+HK$165/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$6,276/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,211
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,311
−HK$101/mo
Today · 4.125%
HK$3,412
baseline
▲ 0.50% · 4.625%
HK$3,620
+HK$208/mo
Deposit HK$469K · loan HK$704K · min. income ≈ HK$6,824/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,572
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,668
−HK$97/mo
Today · 4.125%
HK$3,765
baseline
▲ 0.50% · 4.625%
HK$3,964
+HK$199/mo
Deposit HK$469K · loan HK$704K · min. income ≈ HK$7,530/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,746
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,863
−HK$118/mo
Today · 4.125%
HK$3,981
baseline
▲ 0.50% · 4.625%
HK$4,223
+HK$242/mo
Deposit HK$352K · loan HK$821K · min. income ≈ HK$7,962/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,168
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,279
−HK$114/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,624
+HK$231/mo
Deposit HK$352K · loan HK$821K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,817
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,966
−HK$153/mo
Today · 4.125%
HK$5,119
baseline
▲ 0.50% · 4.625%
HK$5,430
+HK$311/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$10,238/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,358
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,502
−HK$146/mo
Today · 4.125%
HK$5,648
baseline
▲ 0.50% · 4.625%
HK$5,946
+HK$298/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$11,296/mo (50% DSR)
Upfront cash ≈ HK$117K (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).