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$2,593
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,674
−HK$82/mo
Today · 4.125%
HK$2,756
baseline
▲ 0.50% · 4.625%
HK$2,923
+HK$167/mo
Deposit HK$569K · loan HK$569K · min. income ≈ HK$5,512/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,885
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,962
−HK$79/mo
Today · 4.125%
HK$3,041
baseline
▲ 0.50% · 4.625%
HK$3,201
+HK$160/mo
Deposit HK$569K · loan HK$569K · min. income ≈ HK$6,082/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,112
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,209
−HK$98/mo
Today · 4.125%
HK$3,307
baseline
▲ 0.50% · 4.625%
HK$3,508
+HK$201/mo
Deposit HK$455K · loan HK$682K · min. income ≈ HK$6,614/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,462
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,555
−HK$94/mo
Today · 4.125%
HK$3,649
baseline
▲ 0.50% · 4.625%
HK$3,841
+HK$192/mo
Deposit HK$455K · loan HK$682K · min. income ≈ HK$7,298/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,630
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,743
−HK$115/mo
Today · 4.125%
HK$3,858
baseline
▲ 0.50% · 4.625%
HK$4,093
+HK$235/mo
Deposit HK$341K · loan HK$796K · min. income ≈ HK$7,716/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,039
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,147
−HK$110/mo
Today · 4.125%
HK$4,257
baseline
▲ 0.50% · 4.625%
HK$4,481
+HK$224/mo
Deposit HK$341K · loan HK$796K · min. income ≈ HK$8,514/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,668
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,813
−HK$147/mo
Today · 4.125%
HK$4,960
baseline
▲ 0.50% · 4.625%
HK$5,262
+HK$302/mo
Deposit HK$114K · loan HK$1.02M · min. income ≈ HK$9,920/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$5,193
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,332
−HK$141/mo
Today · 4.125%
HK$5,473
baseline
▲ 0.50% · 4.625%
HK$5,762
+HK$289/mo
Deposit HK$114K · loan HK$1.02M · min. income ≈ HK$10,946/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).