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$2,822
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,909
−HK$89/mo
Today · 4.125%
HK$2,998
baseline
▲ 0.50% · 4.625%
HK$3,181
+HK$183/mo
Deposit HK$619K · loan HK$619K · min. income ≈ HK$5,996/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,139
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,223
−HK$85/mo
Today · 4.125%
HK$3,308
baseline
▲ 0.50% · 4.625%
HK$3,483
+HK$175/mo
Deposit HK$619K · loan HK$619K · min. income ≈ HK$6,616/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,386
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,491
−HK$107/mo
Today · 4.125%
HK$3,598
baseline
▲ 0.50% · 4.625%
HK$3,817
+HK$219/mo
Deposit HK$495K · loan HK$742K · min. income ≈ HK$7,196/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,767
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,868
−HK$102/mo
Today · 4.125%
HK$3,970
baseline
▲ 0.50% · 4.625%
HK$4,179
+HK$209/mo
Deposit HK$495K · loan HK$742K · min. income ≈ HK$7,940/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,950
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,073
−HK$125/mo
Today · 4.125%
HK$4,198
baseline
▲ 0.50% · 4.625%
HK$4,453
+HK$255/mo
Deposit HK$371K · loan HK$866K · min. income ≈ HK$8,396/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,394
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,512
−HK$120/mo
Today · 4.125%
HK$4,632
baseline
▲ 0.50% · 4.625%
HK$4,876
+HK$244/mo
Deposit HK$371K · loan HK$866K · min. income ≈ HK$9,264/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,079
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,237
−HK$160/mo
Today · 4.125%
HK$5,397
baseline
▲ 0.50% · 4.625%
HK$5,726
+HK$329/mo
Deposit HK$124K · loan HK$1.11M · min. income ≈ HK$10,794/mo (50% DSR)
Upfront cash ≈ HK$124K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,650
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,802
−HK$153/mo
Today · 4.125%
HK$5,955
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$314/mo
Deposit HK$124K · loan HK$1.11M · min. income ≈ HK$11,910/mo (50% DSR)
Upfront cash ≈ HK$124K (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).