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$2,942
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,033
−HK$93/mo
Today · 4.125%
HK$3,126
baseline
▲ 0.50% · 4.625%
HK$3,316
+HK$190/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,252/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$3,273
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,360
−HK$89/mo
Today · 4.125%
HK$3,449
baseline
▲ 0.50% · 4.625%
HK$3,631
+HK$182/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,898/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$3,530
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,640
−HK$111/mo
Today · 4.125%
HK$3,751
baseline
▲ 0.50% · 4.625%
HK$3,980
+HK$229/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$7,502/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$3,927
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,033
−HK$106/mo
Today · 4.125%
HK$4,139
baseline
▲ 0.50% · 4.625%
HK$4,358
+HK$219/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$8,278/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$4,118
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,247
−HK$130/mo
Today · 4.125%
HK$4,377
baseline
▲ 0.50% · 4.625%
HK$4,643
+HK$266/mo
Deposit HK$387K · loan HK$903K · min. income ≈ HK$8,754/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$4,582
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,705
−HK$124/mo
Today · 4.125%
HK$4,829
baseline
▲ 0.50% · 4.625%
HK$5,084
+HK$255/mo
Deposit HK$387K · loan HK$903K · min. income ≈ HK$9,658/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$5,295
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,460
−HK$167/mo
Today · 4.125%
HK$5,627
baseline
▲ 0.50% · 4.625%
HK$5,970
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,254/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$5,891
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,049
−HK$160/mo
Today · 4.125%
HK$6,209
baseline
▲ 0.50% · 4.625%
HK$6,536
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,418/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).