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$2,603
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,684
−HK$83/mo
Today · 4.125%
HK$2,767
baseline
▲ 0.50% · 4.625%
HK$2,935
+HK$168/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$5,534/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,896
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,974
−HK$79/mo
Today · 4.125%
HK$3,053
baseline
▲ 0.50% · 4.625%
HK$3,214
+HK$161/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$6,106/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,124
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,221
−HK$99/mo
Today · 4.125%
HK$3,320
baseline
▲ 0.50% · 4.625%
HK$3,522
+HK$202/mo
Deposit HK$457K · loan HK$685K · min. income ≈ HK$6,640/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,476
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,569
−HK$94/mo
Today · 4.125%
HK$3,663
baseline
▲ 0.50% · 4.625%
HK$3,856
+HK$193/mo
Deposit HK$457K · loan HK$685K · min. income ≈ HK$7,326/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,645
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,758
−HK$115/mo
Today · 4.125%
HK$3,873
baseline
▲ 0.50% · 4.625%
HK$4,109
+HK$236/mo
Deposit HK$343K · loan HK$799K · min. income ≈ HK$7,746/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,055
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,164
−HK$110/mo
Today · 4.125%
HK$4,274
baseline
▲ 0.50% · 4.625%
HK$4,499
+HK$225/mo
Deposit HK$343K · loan HK$799K · min. income ≈ HK$8,548/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,686
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$148/mo
Today · 4.125%
HK$4,980
baseline
▲ 0.50% · 4.625%
HK$5,283
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,960/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,213
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,353
−HK$142/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$290/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,990/mo (50% DSR)
Upfront cash ≈ HK$114K (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).