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$2,944
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,036
−HK$93/mo
Today · 4.125%
HK$3,129
baseline
▲ 0.50% · 4.625%
HK$3,319
+HK$190/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,258/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,276
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,363
−HK$90/mo
Today · 4.125%
HK$3,453
baseline
▲ 0.50% · 4.625%
HK$3,634
+HK$181/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,906/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,533
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,643
−HK$112/mo
Today · 4.125%
HK$3,755
baseline
▲ 0.50% · 4.625%
HK$3,983
+HK$228/mo
Deposit HK$516K · loan HK$775K · min. income ≈ HK$7,510/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,931
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,036
−HK$107/mo
Today · 4.125%
HK$4,143
baseline
▲ 0.50% · 4.625%
HK$4,361
+HK$218/mo
Deposit HK$516K · loan HK$775K · min. income ≈ HK$8,286/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,122
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,250
−HK$131/mo
Today · 4.125%
HK$4,381
baseline
▲ 0.50% · 4.625%
HK$4,647
+HK$266/mo
Deposit HK$387K · loan HK$904K · min. income ≈ HK$8,762/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$4,586
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,709
−HK$125/mo
Today · 4.125%
HK$4,834
baseline
▲ 0.50% · 4.625%
HK$5,088
+HK$254/mo
Deposit HK$387K · loan HK$904K · min. income ≈ HK$9,668/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$5,300
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,465
−HK$167/mo
Today · 4.125%
HK$5,632
baseline
▲ 0.50% · 4.625%
HK$5,975
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,264/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$5,896
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$161/mo
Today · 4.125%
HK$6,215
baseline
▲ 0.50% · 4.625%
HK$6,542
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,430/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).