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$2,946
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,037
−HK$93/mo
Today · 4.125%
HK$3,130
baseline
▲ 0.50% · 4.625%
HK$3,321
+HK$191/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,260/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,277
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,365
−HK$89/mo
Today · 4.125%
HK$3,454
baseline
▲ 0.50% · 4.625%
HK$3,636
+HK$182/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,908/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,535
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,645
−HK$111/mo
Today · 4.125%
HK$3,756
baseline
▲ 0.50% · 4.625%
HK$3,985
+HK$229/mo
Deposit HK$517K · loan HK$775K · min. income ≈ HK$7,512/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,932
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,038
−HK$107/mo
Today · 4.125%
HK$4,145
baseline
▲ 0.50% · 4.625%
HK$4,363
+HK$218/mo
Deposit HK$517K · loan HK$775K · min. income ≈ HK$8,290/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,124
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,252
−HK$131/mo
Today · 4.125%
HK$4,383
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$266/mo
Deposit HK$388K · loan HK$904K · min. income ≈ HK$8,766/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,588
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$125/mo
Today · 4.125%
HK$4,836
baseline
▲ 0.50% · 4.625%
HK$5,091
+HK$255/mo
Deposit HK$388K · loan HK$904K · min. income ≈ HK$9,672/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,302
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,467
−HK$168/mo
Today · 4.125%
HK$5,635
baseline
▲ 0.50% · 4.625%
HK$5,978
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,270/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,899
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$160/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,545
+HK$328/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,434/mo (50% DSR)
Upfront cash ≈ HK$129K (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).