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$2,727
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,812
−HK$86/mo
Today · 4.125%
HK$2,898
baseline
▲ 0.50% · 4.625%
HK$3,074
+HK$176/mo
Deposit HK$598K · loan HK$598K · min. income ≈ HK$5,796/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,034
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,115
−HK$83/mo
Today · 4.125%
HK$3,198
baseline
▲ 0.50% · 4.625%
HK$3,366
+HK$168/mo
Deposit HK$598K · loan HK$598K · min. income ≈ HK$6,396/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,273
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,374
−HK$104/mo
Today · 4.125%
HK$3,478
baseline
▲ 0.50% · 4.625%
HK$3,689
+HK$211/mo
Deposit HK$478K · loan HK$718K · min. income ≈ HK$6,956/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,641
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,738
−HK$99/mo
Today · 4.125%
HK$3,837
baseline
▲ 0.50% · 4.625%
HK$4,040
+HK$203/mo
Deposit HK$478K · loan HK$718K · min. income ≈ HK$7,674/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,818
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,937
−HK$120/mo
Today · 4.125%
HK$4,057
baseline
▲ 0.50% · 4.625%
HK$4,304
+HK$247/mo
Deposit HK$359K · loan HK$837K · min. income ≈ HK$8,114/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,247
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,361
−HK$116/mo
Today · 4.125%
HK$4,477
baseline
▲ 0.50% · 4.625%
HK$4,713
+HK$236/mo
Deposit HK$359K · loan HK$837K · min. income ≈ HK$8,954/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,909
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$155/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,534
+HK$317/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,434/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,461
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$149/mo
Today · 4.125%
HK$5,756
baseline
▲ 0.50% · 4.625%
HK$6,059
+HK$303/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,512/mo (50% DSR)
Upfront cash ≈ HK$120K (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).