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$2,885
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,975
−HK$91/mo
Today · 4.125%
HK$3,066
baseline
▲ 0.50% · 4.625%
HK$3,252
+HK$186/mo
Deposit HK$633K · loan HK$633K · min. income ≈ HK$6,132/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,209
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,295
−HK$88/mo
Today · 4.125%
HK$3,383
baseline
▲ 0.50% · 4.625%
HK$3,561
+HK$178/mo
Deposit HK$633K · loan HK$633K · min. income ≈ HK$6,766/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,462
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,569
−HK$110/mo
Today · 4.125%
HK$3,679
baseline
▲ 0.50% · 4.625%
HK$3,903
+HK$224/mo
Deposit HK$506K · loan HK$759K · min. income ≈ HK$7,358/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,851
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,954
−HK$105/mo
Today · 4.125%
HK$4,059
baseline
▲ 0.50% · 4.625%
HK$4,273
+HK$214/mo
Deposit HK$506K · loan HK$759K · min. income ≈ HK$8,118/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,039
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,164
−HK$128/mo
Today · 4.125%
HK$4,292
baseline
▲ 0.50% · 4.625%
HK$4,553
+HK$261/mo
Deposit HK$380K · loan HK$886K · min. income ≈ HK$8,584/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,493
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$122/mo
Today · 4.125%
HK$4,736
baseline
▲ 0.50% · 4.625%
HK$4,985
+HK$249/mo
Deposit HK$380K · loan HK$886K · min. income ≈ HK$9,472/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,193
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,354
−HK$164/mo
Today · 4.125%
HK$5,518
baseline
▲ 0.50% · 4.625%
HK$5,854
+HK$336/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,036/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,777
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,932
−HK$157/mo
Today · 4.125%
HK$6,089
baseline
▲ 0.50% · 4.625%
HK$6,410
+HK$321/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,178/mo (50% DSR)
Upfront cash ≈ HK$127K (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).