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$2,920
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,011
−HK$92/mo
Today · 4.125%
HK$3,103
baseline
▲ 0.50% · 4.625%
HK$3,292
+HK$189/mo
Deposit HK$640K · loan HK$640K · min. income ≈ HK$6,206/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,248
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,335
−HK$89/mo
Today · 4.125%
HK$3,424
baseline
▲ 0.50% · 4.625%
HK$3,604
+HK$180/mo
Deposit HK$640K · loan HK$640K · min. income ≈ HK$6,848/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,504
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,613
−HK$111/mo
Today · 4.125%
HK$3,724
baseline
▲ 0.50% · 4.625%
HK$3,950
+HK$226/mo
Deposit HK$512K · loan HK$768K · min. income ≈ HK$7,448/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,898
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,003
−HK$106/mo
Today · 4.125%
HK$4,109
baseline
▲ 0.50% · 4.625%
HK$4,325
+HK$216/mo
Deposit HK$512K · loan HK$768K · min. income ≈ HK$8,218/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,088
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,215
−HK$129/mo
Today · 4.125%
HK$4,344
baseline
▲ 0.50% · 4.625%
HK$4,609
+HK$265/mo
Deposit HK$384K · loan HK$896K · min. income ≈ HK$8,688/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,548
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,670
−HK$123/mo
Today · 4.125%
HK$4,793
baseline
▲ 0.50% · 4.625%
HK$5,046
+HK$253/mo
Deposit HK$384K · loan HK$896K · min. income ≈ HK$9,586/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,256
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$166/mo
Today · 4.125%
HK$5,585
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$340/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,170/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,847
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,004
−HK$159/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,488
+HK$325/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,326/mo (50% DSR)
Upfront cash ≈ HK$128K (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).