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$2,962
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,054
−HK$94/mo
Today · 4.125%
HK$3,148
baseline
▲ 0.50% · 4.625%
HK$3,339
+HK$191/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,296/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,295
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,384
−HK$89/mo
Today · 4.125%
HK$3,473
baseline
▲ 0.50% · 4.625%
HK$3,656
+HK$183/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,946/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,554
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,665
−HK$112/mo
Today · 4.125%
HK$3,777
baseline
▲ 0.50% · 4.625%
HK$4,007
+HK$230/mo
Deposit HK$520K · loan HK$779K · min. income ≈ HK$7,554/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,954
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,060
−HK$108/mo
Today · 4.125%
HK$4,168
baseline
▲ 0.50% · 4.625%
HK$4,388
+HK$220/mo
Deposit HK$520K · loan HK$779K · min. income ≈ HK$8,336/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,147
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,276
−HK$131/mo
Today · 4.125%
HK$4,407
baseline
▲ 0.50% · 4.625%
HK$4,675
+HK$268/mo
Deposit HK$390K · loan HK$909K · min. income ≈ HK$8,814/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,613
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,737
−HK$126/mo
Today · 4.125%
HK$4,863
baseline
▲ 0.50% · 4.625%
HK$5,119
+HK$256/mo
Deposit HK$390K · loan HK$909K · min. income ≈ HK$9,726/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,332
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,497
−HK$169/mo
Today · 4.125%
HK$5,666
baseline
▲ 0.50% · 4.625%
HK$6,011
+HK$345/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,332/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,931
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$162/mo
Today · 4.125%
HK$6,252
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$329/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,504/mo (50% DSR)
Upfront cash ≈ HK$130K (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).