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$2,842
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,930
−HK$90/mo
Today · 4.125%
HK$3,020
baseline
▲ 0.50% · 4.625%
HK$3,204
+HK$184/mo
Deposit HK$623K · loan HK$623K · min. income ≈ HK$6,040/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,162
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,246
−HK$87/mo
Today · 4.125%
HK$3,333
baseline
▲ 0.50% · 4.625%
HK$3,508
+HK$175/mo
Deposit HK$623K · loan HK$623K · min. income ≈ HK$6,666/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,410
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,516
−HK$108/mo
Today · 4.125%
HK$3,624
baseline
▲ 0.50% · 4.625%
HK$3,845
+HK$221/mo
Deposit HK$499K · loan HK$748K · min. income ≈ HK$7,248/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,794
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,896
−HK$103/mo
Today · 4.125%
HK$3,999
baseline
▲ 0.50% · 4.625%
HK$4,210
+HK$211/mo
Deposit HK$499K · loan HK$748K · min. income ≈ HK$7,998/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,979
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,103
−HK$125/mo
Today · 4.125%
HK$4,228
baseline
▲ 0.50% · 4.625%
HK$4,486
+HK$258/mo
Deposit HK$374K · loan HK$872K · min. income ≈ HK$8,456/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,426
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,545
−HK$121/mo
Today · 4.125%
HK$4,666
baseline
▲ 0.50% · 4.625%
HK$4,911
+HK$245/mo
Deposit HK$374K · loan HK$872K · min. income ≈ HK$9,332/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,116
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,275
−HK$161/mo
Today · 4.125%
HK$5,436
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$331/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$10,872/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$5,691
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,844
−HK$155/mo
Today · 4.125%
HK$5,999
baseline
▲ 0.50% · 4.625%
HK$6,315
+HK$316/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$11,998/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).