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$2,940
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,031
−HK$93/mo
Today · 4.125%
HK$3,124
baseline
▲ 0.50% · 4.625%
HK$3,314
+HK$190/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,248/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$3,271
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,358
−HK$89/mo
Today · 4.125%
HK$3,447
baseline
▲ 0.50% · 4.625%
HK$3,629
+HK$182/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,894/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$3,528
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,638
−HK$111/mo
Today · 4.125%
HK$3,749
baseline
▲ 0.50% · 4.625%
HK$3,977
+HK$228/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$7,498/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$3,925
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,030
−HK$107/mo
Today · 4.125%
HK$4,137
baseline
▲ 0.50% · 4.625%
HK$4,355
+HK$218/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$8,274/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$4,116
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,244
−HK$130/mo
Today · 4.125%
HK$4,374
baseline
▲ 0.50% · 4.625%
HK$4,640
+HK$266/mo
Deposit HK$387K · loan HK$903K · min. income ≈ HK$8,748/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$4,579
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,702
−HK$124/mo
Today · 4.125%
HK$4,826
baseline
▲ 0.50% · 4.625%
HK$5,081
+HK$255/mo
Deposit HK$387K · loan HK$903K · min. income ≈ HK$9,652/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$5,292
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$167/mo
Today · 4.125%
HK$5,624
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$342/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,248/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$5,887
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$160/mo
Today · 4.125%
HK$6,205
baseline
▲ 0.50% · 4.625%
HK$6,532
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,410/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).