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$2,854
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,943
−HK$90/mo
Today · 4.125%
HK$3,033
baseline
▲ 0.50% · 4.625%
HK$3,217
+HK$184/mo
Deposit HK$626K · loan HK$626K · min. income ≈ HK$6,066/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,175
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,260
−HK$86/mo
Today · 4.125%
HK$3,346
baseline
▲ 0.50% · 4.625%
HK$3,523
+HK$177/mo
Deposit HK$626K · loan HK$626K · min. income ≈ HK$6,692/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,425
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,531
−HK$108/mo
Today · 4.125%
HK$3,639
baseline
▲ 0.50% · 4.625%
HK$3,861
+HK$222/mo
Deposit HK$501K · loan HK$751K · min. income ≈ HK$7,278/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,810
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,912
−HK$104/mo
Today · 4.125%
HK$4,016
baseline
▲ 0.50% · 4.625%
HK$4,227
+HK$211/mo
Deposit HK$501K · loan HK$751K · min. income ≈ HK$8,032/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,995
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,120
−HK$126/mo
Today · 4.125%
HK$4,246
baseline
▲ 0.50% · 4.625%
HK$4,504
+HK$258/mo
Deposit HK$375K · loan HK$876K · min. income ≈ HK$8,492/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,445
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$121/mo
Today · 4.125%
HK$4,685
baseline
▲ 0.50% · 4.625%
HK$4,932
+HK$247/mo
Deposit HK$375K · loan HK$876K · min. income ≈ HK$9,370/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,137
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,297
−HK$162/mo
Today · 4.125%
HK$5,459
baseline
▲ 0.50% · 4.625%
HK$5,791
+HK$332/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$10,918/mo (50% DSR)
Upfront cash ≈ HK$125K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,715
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$156/mo
Today · 4.125%
HK$6,024
baseline
▲ 0.50% · 4.625%
HK$6,341
+HK$317/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$12,048/mo (50% DSR)
Upfront cash ≈ HK$125K (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).