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$2,872
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,962
−HK$91/mo
Today · 4.125%
HK$3,053
baseline
▲ 0.50% · 4.625%
HK$3,238
+HK$185/mo
Deposit HK$630K · loan HK$630K · min. income ≈ HK$6,106/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,196
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,281
−HK$87/mo
Today · 4.125%
HK$3,368
baseline
▲ 0.50% · 4.625%
HK$3,546
+HK$178/mo
Deposit HK$630K · loan HK$630K · min. income ≈ HK$6,736/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,447
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,554
−HK$109/mo
Today · 4.125%
HK$3,663
baseline
▲ 0.50% · 4.625%
HK$3,886
+HK$223/mo
Deposit HK$504K · loan HK$756K · min. income ≈ HK$7,326/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,835
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,938
−HK$104/mo
Today · 4.125%
HK$4,042
baseline
▲ 0.50% · 4.625%
HK$4,255
+HK$213/mo
Deposit HK$504K · loan HK$756K · min. income ≈ HK$8,084/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,021
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,147
−HK$127/mo
Today · 4.125%
HK$4,274
baseline
▲ 0.50% · 4.625%
HK$4,534
+HK$260/mo
Deposit HK$378K · loan HK$882K · min. income ≈ HK$8,548/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,474
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,594
−HK$122/mo
Today · 4.125%
HK$4,716
baseline
▲ 0.50% · 4.625%
HK$4,964
+HK$248/mo
Deposit HK$378K · loan HK$882K · min. income ≈ HK$9,432/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,170
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,331
−HK$164/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,990/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,752
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$157/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$319/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,126/mo (50% DSR)
Upfront cash ≈ HK$126K (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).