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$2,882
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,972
−HK$91/mo
Today · 4.125%
HK$3,063
baseline
▲ 0.50% · 4.625%
HK$3,250
+HK$187/mo
Deposit HK$632K · loan HK$632K · min. income ≈ HK$6,126/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,207
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,293
−HK$87/mo
Today · 4.125%
HK$3,380
baseline
▲ 0.50% · 4.625%
HK$3,558
+HK$178/mo
Deposit HK$632K · loan HK$632K · min. income ≈ HK$6,760/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,459
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,566
−HK$110/mo
Today · 4.125%
HK$3,676
baseline
▲ 0.50% · 4.625%
HK$3,899
+HK$223/mo
Deposit HK$506K · loan HK$758K · min. income ≈ HK$7,352/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,848
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,951
−HK$105/mo
Today · 4.125%
HK$4,056
baseline
▲ 0.50% · 4.625%
HK$4,270
+HK$214/mo
Deposit HK$506K · loan HK$758K · min. income ≈ HK$8,112/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,035
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,161
−HK$127/mo
Today · 4.125%
HK$4,288
baseline
▲ 0.50% · 4.625%
HK$4,549
+HK$261/mo
Deposit HK$379K · loan HK$885K · min. income ≈ HK$8,576/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,489
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,610
−HK$122/mo
Today · 4.125%
HK$4,732
baseline
▲ 0.50% · 4.625%
HK$4,981
+HK$249/mo
Deposit HK$379K · loan HK$885K · min. income ≈ HK$9,464/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,188
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,350
−HK$164/mo
Today · 4.125%
HK$5,514
baseline
▲ 0.50% · 4.625%
HK$5,849
+HK$335/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$11,028/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,772
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,927
−HK$157/mo
Today · 4.125%
HK$6,084
baseline
▲ 0.50% · 4.625%
HK$6,405
+HK$321/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$12,168/mo (50% DSR)
Upfront cash ≈ HK$127K (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).