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$2,570
−HK$161/mo
▼ 0.25% · 3.875%
HK$2,650
−HK$81/mo
Today · 4.125%
HK$2,731
baseline
▲ 0.50% · 4.625%
HK$2,897
+HK$166/mo
Deposit HK$564K · loan HK$564K · min. income ≈ HK$5,462/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,859
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,936
−HK$78/mo
Today · 4.125%
HK$3,014
baseline
▲ 0.50% · 4.625%
HK$3,172
+HK$158/mo
Deposit HK$564K · loan HK$564K · min. income ≈ HK$6,028/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,084
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,180
−HK$97/mo
Today · 4.125%
HK$3,277
baseline
▲ 0.50% · 4.625%
HK$3,477
+HK$200/mo
Deposit HK$451K · loan HK$676K · min. income ≈ HK$6,554/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,431
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,523
−HK$93/mo
Today · 4.125%
HK$3,616
baseline
▲ 0.50% · 4.625%
HK$3,807
+HK$191/mo
Deposit HK$451K · loan HK$676K · min. income ≈ HK$7,232/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,598
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,710
−HK$114/mo
Today · 4.125%
HK$3,824
baseline
▲ 0.50% · 4.625%
HK$4,056
+HK$232/mo
Deposit HK$338K · loan HK$789K · min. income ≈ HK$7,648/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,003
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,110
−HK$109/mo
Today · 4.125%
HK$4,219
baseline
▲ 0.50% · 4.625%
HK$4,441
+HK$222/mo
Deposit HK$338K · loan HK$789K · min. income ≈ HK$8,438/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,626
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,770
−HK$146/mo
Today · 4.125%
HK$4,916
baseline
▲ 0.50% · 4.625%
HK$5,215
+HK$299/mo
Deposit HK$113K · loan HK$1.01M · min. income ≈ HK$9,832/mo (50% DSR)
Upfront cash ≈ HK$113K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,146
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,284
−HK$140/mo
Today · 4.125%
HK$5,424
baseline
▲ 0.50% · 4.625%
HK$5,710
+HK$286/mo
Deposit HK$113K · loan HK$1.01M · min. income ≈ HK$10,848/mo (50% DSR)
Upfront cash ≈ HK$113K (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).