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$2,971
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,064
−HK$94/mo
Today · 4.125%
HK$3,158
baseline
▲ 0.50% · 4.625%
HK$3,350
+HK$192/mo
Deposit HK$652K · loan HK$652K · min. income ≈ HK$6,316/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,306
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,394
−HK$90/mo
Today · 4.125%
HK$3,484
baseline
▲ 0.50% · 4.625%
HK$3,668
+HK$184/mo
Deposit HK$652K · loan HK$652K · min. income ≈ HK$6,968/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,566
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,676
−HK$113/mo
Today · 4.125%
HK$3,789
baseline
▲ 0.50% · 4.625%
HK$4,020
+HK$231/mo
Deposit HK$521K · loan HK$782K · min. income ≈ HK$7,578/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,967
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,073
−HK$108/mo
Today · 4.125%
HK$4,181
baseline
▲ 0.50% · 4.625%
HK$4,401
+HK$220/mo
Deposit HK$521K · loan HK$782K · min. income ≈ HK$8,362/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,160
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,289
−HK$132/mo
Today · 4.125%
HK$4,421
baseline
▲ 0.50% · 4.625%
HK$4,690
+HK$269/mo
Deposit HK$391K · loan HK$912K · min. income ≈ HK$8,842/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,628
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,752
−HK$126/mo
Today · 4.125%
HK$4,878
baseline
▲ 0.50% · 4.625%
HK$5,135
+HK$257/mo
Deposit HK$391K · loan HK$912K · min. income ≈ HK$9,756/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,348
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$169/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$6,030
+HK$346/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,368/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,950
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,110
−HK$161/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$331/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,542/mo (50% DSR)
Upfront cash ≈ HK$130K (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).