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$2,901
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,991
−HK$92/mo
Today · 4.125%
HK$3,083
baseline
▲ 0.50% · 4.625%
HK$3,270
+HK$187/mo
Deposit HK$636K · loan HK$636K · min. income ≈ HK$6,166/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,227
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,314
−HK$87/mo
Today · 4.125%
HK$3,401
baseline
▲ 0.50% · 4.625%
HK$3,581
+HK$180/mo
Deposit HK$636K · loan HK$636K · min. income ≈ HK$6,802/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,481
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,589
−HK$110/mo
Today · 4.125%
HK$3,699
baseline
▲ 0.50% · 4.625%
HK$3,924
+HK$225/mo
Deposit HK$509K · loan HK$763K · min. income ≈ HK$7,398/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,872
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,976
−HK$106/mo
Today · 4.125%
HK$4,082
baseline
▲ 0.50% · 4.625%
HK$4,297
+HK$215/mo
Deposit HK$509K · loan HK$763K · min. income ≈ HK$8,164/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,061
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,187
−HK$129/mo
Today · 4.125%
HK$4,316
baseline
▲ 0.50% · 4.625%
HK$4,578
+HK$262/mo
Deposit HK$382K · loan HK$890K · min. income ≈ HK$8,632/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,518
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,639
−HK$123/mo
Today · 4.125%
HK$4,762
baseline
▲ 0.50% · 4.625%
HK$5,013
+HK$251/mo
Deposit HK$382K · loan HK$890K · min. income ≈ HK$9,524/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,221
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$165/mo
Today · 4.125%
HK$5,549
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$337/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,098/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$5,809
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$158/mo
Today · 4.125%
HK$6,123
baseline
▲ 0.50% · 4.625%
HK$6,445
+HK$322/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,246/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).