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$2,569
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,649
−HK$82/mo
Today · 4.125%
HK$2,731
baseline
▲ 0.50% · 4.625%
HK$2,897
+HK$166/mo
Deposit HK$563K · loan HK$563K · min. income ≈ HK$5,462/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,859
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,935
−HK$78/mo
Today · 4.125%
HK$3,013
baseline
▲ 0.50% · 4.625%
HK$3,172
+HK$159/mo
Deposit HK$563K · loan HK$563K · min. income ≈ HK$6,026/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,083
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,179
−HK$98/mo
Today · 4.125%
HK$3,277
baseline
▲ 0.50% · 4.625%
HK$3,476
+HK$199/mo
Deposit HK$451K · loan HK$676K · min. income ≈ HK$6,554/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,430
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,522
−HK$94/mo
Today · 4.125%
HK$3,616
baseline
▲ 0.50% · 4.625%
HK$3,806
+HK$190/mo
Deposit HK$451K · loan HK$676K · min. income ≈ HK$7,232/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,597
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,709
−HK$114/mo
Today · 4.125%
HK$3,823
baseline
▲ 0.50% · 4.625%
HK$4,055
+HK$232/mo
Deposit HK$338K · loan HK$789K · min. income ≈ HK$7,646/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,002
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,109
−HK$109/mo
Today · 4.125%
HK$4,218
baseline
▲ 0.50% · 4.625%
HK$4,440
+HK$222/mo
Deposit HK$338K · loan HK$789K · min. income ≈ HK$8,436/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,625
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,769
−HK$146/mo
Today · 4.125%
HK$4,915
baseline
▲ 0.50% · 4.625%
HK$5,214
+HK$299/mo
Deposit HK$113K · loan HK$1.01M · min. income ≈ HK$9,830/mo (50% DSR)
Upfront cash ≈ HK$113K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,145
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,283
−HK$140/mo
Today · 4.125%
HK$5,423
baseline
▲ 0.50% · 4.625%
HK$5,709
+HK$286/mo
Deposit HK$113K · loan HK$1.01M · min. income ≈ HK$10,846/mo (50% DSR)
Upfront cash ≈ HK$113K (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).