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$2,844
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,933
−HK$90/mo
Today · 4.125%
HK$3,023
baseline
▲ 0.50% · 4.625%
HK$3,207
+HK$184/mo
Deposit HK$624K · loan HK$624K · min. income ≈ HK$6,046/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,164
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,249
−HK$86/mo
Today · 4.125%
HK$3,335
baseline
▲ 0.50% · 4.625%
HK$3,511
+HK$176/mo
Deposit HK$624K · loan HK$624K · min. income ≈ HK$6,670/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,413
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,520
−HK$107/mo
Today · 4.125%
HK$3,627
baseline
▲ 0.50% · 4.625%
HK$3,848
+HK$221/mo
Deposit HK$499K · loan HK$748K · min. income ≈ HK$7,254/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,797
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,899
−HK$103/mo
Today · 4.125%
HK$4,002
baseline
▲ 0.50% · 4.625%
HK$4,213
+HK$211/mo
Deposit HK$499K · loan HK$748K · min. income ≈ HK$8,004/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,982
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,106
−HK$126/mo
Today · 4.125%
HK$4,232
baseline
▲ 0.50% · 4.625%
HK$4,489
+HK$257/mo
Deposit HK$374K · loan HK$873K · min. income ≈ HK$8,464/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,430
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,549
−HK$121/mo
Today · 4.125%
HK$4,670
baseline
▲ 0.50% · 4.625%
HK$4,916
+HK$246/mo
Deposit HK$374K · loan HK$873K · min. income ≈ HK$9,340/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,120
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,279
−HK$162/mo
Today · 4.125%
HK$5,441
baseline
▲ 0.50% · 4.625%
HK$5,772
+HK$331/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$10,882/mo (50% DSR)
Upfront cash ≈ HK$125K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,696
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,849
−HK$155/mo
Today · 4.125%
HK$6,004
baseline
▲ 0.50% · 4.625%
HK$6,320
+HK$316/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$12,008/mo (50% DSR)
Upfront cash ≈ HK$125K (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).