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$2,902
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,992
−HK$92/mo
Today · 4.125%
HK$3,084
baseline
▲ 0.50% · 4.625%
HK$3,271
+HK$187/mo
Deposit HK$636K · loan HK$636K · min. income ≈ HK$6,168/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$3,228
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,315
−HK$87/mo
Today · 4.125%
HK$3,402
baseline
▲ 0.50% · 4.625%
HK$3,582
+HK$180/mo
Deposit HK$636K · loan HK$636K · min. income ≈ HK$6,804/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$3,482
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,590
−HK$110/mo
Today · 4.125%
HK$3,700
baseline
▲ 0.50% · 4.625%
HK$3,925
+HK$225/mo
Deposit HK$509K · loan HK$764K · min. income ≈ HK$7,400/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$3,874
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,978
−HK$105/mo
Today · 4.125%
HK$4,083
baseline
▲ 0.50% · 4.625%
HK$4,298
+HK$215/mo
Deposit HK$509K · loan HK$764K · min. income ≈ HK$8,166/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$4,062
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,189
−HK$128/mo
Today · 4.125%
HK$4,317
baseline
▲ 0.50% · 4.625%
HK$4,580
+HK$263/mo
Deposit HK$382K · loan HK$891K · min. income ≈ HK$8,634/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$4,519
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,640
−HK$123/mo
Today · 4.125%
HK$4,763
baseline
▲ 0.50% · 4.625%
HK$5,015
+HK$252/mo
Deposit HK$382K · loan HK$891K · min. income ≈ HK$9,526/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$5,223
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,385
−HK$165/mo
Today · 4.125%
HK$5,550
baseline
▲ 0.50% · 4.625%
HK$5,888
+HK$338/mo
Deposit HK$127K · loan HK$1.15M · min. income ≈ HK$11,100/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$5,811
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$158/mo
Today · 4.125%
HK$6,124
baseline
▲ 0.50% · 4.625%
HK$6,447
+HK$323/mo
Deposit HK$127K · loan HK$1.15M · min. income ≈ HK$12,248/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).