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$2,963
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,055
−HK$94/mo
Today · 4.125%
HK$3,149
baseline
▲ 0.50% · 4.625%
HK$3,340
+HK$191/mo
Deposit HK$650K · loan HK$650K · min. income ≈ HK$6,298/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,296
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,385
−HK$89/mo
Today · 4.125%
HK$3,474
baseline
▲ 0.50% · 4.625%
HK$3,657
+HK$183/mo
Deposit HK$650K · loan HK$650K · min. income ≈ HK$6,948/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,556
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,666
−HK$113/mo
Today · 4.125%
HK$3,779
baseline
▲ 0.50% · 4.625%
HK$4,008
+HK$229/mo
Deposit HK$520K · loan HK$780K · min. income ≈ HK$7,558/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,956
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,062
−HK$107/mo
Today · 4.125%
HK$4,169
baseline
▲ 0.50% · 4.625%
HK$4,389
+HK$220/mo
Deposit HK$520K · loan HK$780K · min. income ≈ HK$8,338/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,148
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,277
−HK$131/mo
Today · 4.125%
HK$4,408
baseline
▲ 0.50% · 4.625%
HK$4,676
+HK$268/mo
Deposit HK$390K · loan HK$910K · min. income ≈ HK$8,816/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,615
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,739
−HK$125/mo
Today · 4.125%
HK$4,864
baseline
▲ 0.50% · 4.625%
HK$5,120
+HK$256/mo
Deposit HK$390K · loan HK$910K · min. income ≈ HK$9,728/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,333
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,499
−HK$169/mo
Today · 4.125%
HK$5,668
baseline
▲ 0.50% · 4.625%
HK$6,013
+HK$345/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,336/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,933
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$162/mo
Today · 4.125%
HK$6,254
baseline
▲ 0.50% · 4.625%
HK$6,583
+HK$329/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,508/mo (50% DSR)
Upfront cash ≈ HK$130K (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).