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$2,677
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,760
−HK$85/mo
Today · 4.125%
HK$2,845
baseline
▲ 0.50% · 4.625%
HK$3,018
+HK$173/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$5,690/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,978
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,058
−HK$81/mo
Today · 4.125%
HK$3,139
baseline
▲ 0.50% · 4.625%
HK$3,305
+HK$166/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$6,278/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,212
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,312
−HK$102/mo
Today · 4.125%
HK$3,414
baseline
▲ 0.50% · 4.625%
HK$3,622
+HK$208/mo
Deposit HK$470K · loan HK$704K · min. income ≈ HK$6,828/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,574
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,670
−HK$97/mo
Today · 4.125%
HK$3,767
baseline
▲ 0.50% · 4.625%
HK$3,965
+HK$198/mo
Deposit HK$470K · loan HK$704K · min. income ≈ HK$7,534/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,748
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,864
−HK$119/mo
Today · 4.125%
HK$3,983
baseline
▲ 0.50% · 4.625%
HK$4,225
+HK$242/mo
Deposit HK$352K · loan HK$822K · min. income ≈ HK$7,966/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,169
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,281
−HK$114/mo
Today · 4.125%
HK$4,395
baseline
▲ 0.50% · 4.625%
HK$4,626
+HK$231/mo
Deposit HK$352K · loan HK$822K · min. income ≈ HK$8,790/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,819
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,968
−HK$153/mo
Today · 4.125%
HK$5,121
baseline
▲ 0.50% · 4.625%
HK$5,432
+HK$311/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$10,242/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,361
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$146/mo
Today · 4.125%
HK$5,650
baseline
▲ 0.50% · 4.625%
HK$5,948
+HK$298/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$11,300/mo (50% DSR)
Upfront cash ≈ HK$117K (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).