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$2,921
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,011
−HK$93/mo
Today · 4.125%
HK$3,104
baseline
▲ 0.50% · 4.625%
HK$3,293
+HK$189/mo
Deposit HK$640K · loan HK$640K · min. income ≈ HK$6,208/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,249
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,336
−HK$89/mo
Today · 4.125%
HK$3,425
baseline
▲ 0.50% · 4.625%
HK$3,605
+HK$180/mo
Deposit HK$640K · loan HK$640K · min. income ≈ HK$6,850/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,505
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,614
−HK$111/mo
Today · 4.125%
HK$3,725
baseline
▲ 0.50% · 4.625%
HK$3,951
+HK$226/mo
Deposit HK$512K · loan HK$768K · min. income ≈ HK$7,450/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,899
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,004
−HK$106/mo
Today · 4.125%
HK$4,110
baseline
▲ 0.50% · 4.625%
HK$4,326
+HK$216/mo
Deposit HK$512K · loan HK$768K · min. income ≈ HK$8,220/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,089
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,216
−HK$129/mo
Today · 4.125%
HK$4,345
baseline
▲ 0.50% · 4.625%
HK$4,610
+HK$265/mo
Deposit HK$384K · loan HK$897K · min. income ≈ HK$8,690/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,549
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,671
−HK$124/mo
Today · 4.125%
HK$4,795
baseline
▲ 0.50% · 4.625%
HK$5,047
+HK$252/mo
Deposit HK$384K · loan HK$897K · min. income ≈ HK$9,590/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,257
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$166/mo
Today · 4.125%
HK$5,587
baseline
▲ 0.50% · 4.625%
HK$5,927
+HK$340/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,174/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,848
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$159/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$325/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,328/mo (50% DSR)
Upfront cash ≈ HK$128K (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).