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$2,943
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,035
−HK$93/mo
Today · 4.125%
HK$3,128
baseline
▲ 0.50% · 4.625%
HK$3,318
+HK$190/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,256/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,274
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,362
−HK$89/mo
Today · 4.125%
HK$3,451
baseline
▲ 0.50% · 4.625%
HK$3,633
+HK$182/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,902/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,532
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,642
−HK$111/mo
Today · 4.125%
HK$3,753
baseline
▲ 0.50% · 4.625%
HK$3,982
+HK$229/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$7,506/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,929
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,035
−HK$107/mo
Today · 4.125%
HK$4,142
baseline
▲ 0.50% · 4.625%
HK$4,360
+HK$218/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$8,284/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,121
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,249
−HK$130/mo
Today · 4.125%
HK$4,379
baseline
▲ 0.50% · 4.625%
HK$4,645
+HK$266/mo
Deposit HK$387K · loan HK$904K · min. income ≈ HK$8,758/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,584
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,707
−HK$125/mo
Today · 4.125%
HK$4,832
baseline
▲ 0.50% · 4.625%
HK$5,086
+HK$254/mo
Deposit HK$387K · loan HK$904K · min. income ≈ HK$9,664/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,298
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$167/mo
Today · 4.125%
HK$5,630
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,260/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$5,894
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$160/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$328/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,424/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).