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$2,933
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,024
−HK$93/mo
Today · 4.125%
HK$3,117
baseline
▲ 0.50% · 4.625%
HK$3,307
+HK$190/mo
Deposit HK$643K · loan HK$643K · min. income ≈ HK$6,234/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,263
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,350
−HK$89/mo
Today · 4.125%
HK$3,439
baseline
▲ 0.50% · 4.625%
HK$3,621
+HK$182/mo
Deposit HK$643K · loan HK$643K · min. income ≈ HK$6,878/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,520
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,629
−HK$111/mo
Today · 4.125%
HK$3,740
baseline
▲ 0.50% · 4.625%
HK$3,968
+HK$228/mo
Deposit HK$515K · loan HK$772K · min. income ≈ HK$7,480/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,916
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$106/mo
Today · 4.125%
HK$4,127
baseline
▲ 0.50% · 4.625%
HK$4,345
+HK$218/mo
Deposit HK$515K · loan HK$772K · min. income ≈ HK$8,254/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,106
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,234
−HK$130/mo
Today · 4.125%
HK$4,364
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$265/mo
Deposit HK$386K · loan HK$900K · min. income ≈ HK$8,728/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,568
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$124/mo
Today · 4.125%
HK$4,815
baseline
▲ 0.50% · 4.625%
HK$5,069
+HK$254/mo
Deposit HK$386K · loan HK$900K · min. income ≈ HK$9,630/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,279
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,444
−HK$166/mo
Today · 4.125%
HK$5,610
baseline
▲ 0.50% · 4.625%
HK$5,952
+HK$342/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,220/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$5,873
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,031
−HK$160/mo
Today · 4.125%
HK$6,191
baseline
▲ 0.50% · 4.625%
HK$6,517
+HK$326/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,382/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).