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$2,865
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,954
−HK$90/mo
Today · 4.125%
HK$3,044
baseline
▲ 0.50% · 4.625%
HK$3,230
+HK$186/mo
Deposit HK$628K · loan HK$628K · min. income ≈ HK$6,088/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,187
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,273
−HK$86/mo
Today · 4.125%
HK$3,359
baseline
▲ 0.50% · 4.625%
HK$3,536
+HK$177/mo
Deposit HK$628K · loan HK$628K · min. income ≈ HK$6,718/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,438
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,545
−HK$108/mo
Today · 4.125%
HK$3,653
baseline
▲ 0.50% · 4.625%
HK$3,876
+HK$223/mo
Deposit HK$503K · loan HK$754K · min. income ≈ HK$7,306/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,825
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,927
−HK$104/mo
Today · 4.125%
HK$4,031
baseline
▲ 0.50% · 4.625%
HK$4,244
+HK$213/mo
Deposit HK$503K · loan HK$754K · min. income ≈ HK$8,062/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,011
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,136
−HK$126/mo
Today · 4.125%
HK$4,262
baseline
▲ 0.50% · 4.625%
HK$4,522
+HK$260/mo
Deposit HK$377K · loan HK$879K · min. income ≈ HK$8,524/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,462
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,582
−HK$121/mo
Today · 4.125%
HK$4,703
baseline
▲ 0.50% · 4.625%
HK$4,951
+HK$248/mo
Deposit HK$377K · loan HK$879K · min. income ≈ HK$9,406/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,157
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$163/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,814
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,960/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,737
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$156/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,365
+HK$318/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,094/mo (50% DSR)
Upfront cash ≈ HK$126K (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).