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$2,755
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,841
−HK$87/mo
Today · 4.125%
HK$2,928
baseline
▲ 0.50% · 4.625%
HK$3,106
+HK$178/mo
Deposit HK$604K · loan HK$604K · min. income ≈ HK$5,856/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,065
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,148
−HK$83/mo
Today · 4.125%
HK$3,231
baseline
▲ 0.50% · 4.625%
HK$3,401
+HK$170/mo
Deposit HK$604K · loan HK$604K · min. income ≈ HK$6,462/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,307
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,409
−HK$105/mo
Today · 4.125%
HK$3,514
baseline
▲ 0.50% · 4.625%
HK$3,728
+HK$214/mo
Deposit HK$483K · loan HK$725K · min. income ≈ HK$7,028/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,679
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,777
−HK$100/mo
Today · 4.125%
HK$3,877
baseline
▲ 0.50% · 4.625%
HK$4,082
+HK$205/mo
Deposit HK$483K · loan HK$725K · min. income ≈ HK$7,754/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,858
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,978
−HK$122/mo
Today · 4.125%
HK$4,100
baseline
▲ 0.50% · 4.625%
HK$4,349
+HK$249/mo
Deposit HK$363K · loan HK$846K · min. income ≈ HK$8,200/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,292
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,407
−HK$116/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,762
+HK$239/mo
Deposit HK$363K · loan HK$846K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,960
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,114
−HK$157/mo
Today · 4.125%
HK$5,271
baseline
▲ 0.50% · 4.625%
HK$5,592
+HK$321/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$10,542/mo (50% DSR)
Upfront cash ≈ HK$121K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,518
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,666
−HK$150/mo
Today · 4.125%
HK$5,816
baseline
▲ 0.50% · 4.625%
HK$6,122
+HK$306/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$11,632/mo (50% DSR)
Upfront cash ≈ HK$121K (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).