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$2,684
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,768
−HK$84/mo
Today · 4.125%
HK$2,852
baseline
▲ 0.50% · 4.625%
HK$3,026
+HK$174/mo
Deposit HK$589K · loan HK$589K · min. income ≈ HK$5,704/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,986
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,066
−HK$81/mo
Today · 4.125%
HK$3,147
baseline
▲ 0.50% · 4.625%
HK$3,313
+HK$166/mo
Deposit HK$589K · loan HK$589K · min. income ≈ HK$6,294/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,221
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,321
−HK$102/mo
Today · 4.125%
HK$3,423
baseline
▲ 0.50% · 4.625%
HK$3,631
+HK$208/mo
Deposit HK$471K · loan HK$706K · min. income ≈ HK$6,846/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,583
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,679
−HK$98/mo
Today · 4.125%
HK$3,777
baseline
▲ 0.50% · 4.625%
HK$3,976
+HK$199/mo
Deposit HK$471K · loan HK$706K · min. income ≈ HK$7,554/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,758
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,875
−HK$118/mo
Today · 4.125%
HK$3,993
baseline
▲ 0.50% · 4.625%
HK$4,236
+HK$243/mo
Deposit HK$353K · loan HK$824K · min. income ≈ HK$7,986/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,181
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,293
−HK$113/mo
Today · 4.125%
HK$4,406
baseline
▲ 0.50% · 4.625%
HK$4,639
+HK$233/mo
Deposit HK$353K · loan HK$824K · min. income ≈ HK$8,812/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,831
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$152/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,447
+HK$313/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,268/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,375
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,519
−HK$146/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$5,964
+HK$299/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,330/mo (50% DSR)
Upfront cash ≈ HK$118K (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).