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$2,654
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,736
−HK$84/mo
Today · 4.125%
HK$2,820
baseline
▲ 0.50% · 4.625%
HK$2,992
+HK$172/mo
Deposit HK$582K · loan HK$582K · min. income ≈ HK$5,640/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,952
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,031
−HK$81/mo
Today · 4.125%
HK$3,112
baseline
▲ 0.50% · 4.625%
HK$3,276
+HK$164/mo
Deposit HK$582K · loan HK$582K · min. income ≈ HK$6,224/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,184
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,283
−HK$101/mo
Today · 4.125%
HK$3,384
baseline
▲ 0.50% · 4.625%
HK$3,590
+HK$206/mo
Deposit HK$465K · loan HK$698K · min. income ≈ HK$6,768/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,543
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,638
−HK$96/mo
Today · 4.125%
HK$3,734
baseline
▲ 0.50% · 4.625%
HK$3,931
+HK$197/mo
Deposit HK$465K · loan HK$698K · min. income ≈ HK$7,468/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,715
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,831
−HK$117/mo
Today · 4.125%
HK$3,948
baseline
▲ 0.50% · 4.625%
HK$4,188
+HK$240/mo
Deposit HK$349K · loan HK$815K · min. income ≈ HK$7,896/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,133
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,244
−HK$112/mo
Today · 4.125%
HK$4,356
baseline
▲ 0.50% · 4.625%
HK$4,586
+HK$230/mo
Deposit HK$349K · loan HK$815K · min. income ≈ HK$8,712/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,777
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,925
−HK$151/mo
Today · 4.125%
HK$5,076
baseline
▲ 0.50% · 4.625%
HK$5,385
+HK$309/mo
Deposit HK$116K · loan HK$1.05M · min. income ≈ HK$10,152/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,314
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,456
−HK$145/mo
Today · 4.125%
HK$5,601
baseline
▲ 0.50% · 4.625%
HK$5,896
+HK$295/mo
Deposit HK$116K · loan HK$1.05M · min. income ≈ HK$11,202/mo (50% DSR)
Upfront cash ≈ HK$116K (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).