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$2,776
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,862
−HK$88/mo
Today · 4.125%
HK$2,950
baseline
▲ 0.50% · 4.625%
HK$3,129
+HK$179/mo
Deposit HK$609K · loan HK$609K · min. income ≈ HK$5,900/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,088
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,171
−HK$84/mo
Today · 4.125%
HK$3,255
baseline
▲ 0.50% · 4.625%
HK$3,426
+HK$171/mo
Deposit HK$609K · loan HK$609K · min. income ≈ HK$6,510/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,331
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,434
−HK$106/mo
Today · 4.125%
HK$3,540
baseline
▲ 0.50% · 4.625%
HK$3,755
+HK$215/mo
Deposit HK$487K · loan HK$730K · min. income ≈ HK$7,080/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,705
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,805
−HK$101/mo
Today · 4.125%
HK$3,906
baseline
▲ 0.50% · 4.625%
HK$4,111
+HK$205/mo
Deposit HK$487K · loan HK$730K · min. income ≈ HK$7,812/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,886
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,007
−HK$123/mo
Today · 4.125%
HK$4,130
baseline
▲ 0.50% · 4.625%
HK$4,381
+HK$251/mo
Deposit HK$365K · loan HK$852K · min. income ≈ HK$8,260/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,323
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,439
−HK$118/mo
Today · 4.125%
HK$4,557
baseline
▲ 0.50% · 4.625%
HK$4,797
+HK$240/mo
Deposit HK$365K · loan HK$852K · min. income ≈ HK$9,114/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,996
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,152
−HK$157/mo
Today · 4.125%
HK$5,309
baseline
▲ 0.50% · 4.625%
HK$5,633
+HK$324/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$10,618/mo (50% DSR)
Upfront cash ≈ HK$122K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,558
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,707
−HK$151/mo
Today · 4.125%
HK$5,858
baseline
▲ 0.50% · 4.625%
HK$6,167
+HK$309/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$11,716/mo (50% DSR)
Upfront cash ≈ HK$122K (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).