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$2,860
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,949
−HK$90/mo
Today · 4.125%
HK$3,039
baseline
▲ 0.50% · 4.625%
HK$3,224
+HK$185/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,078/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,181
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,267
−HK$86/mo
Today · 4.125%
HK$3,353
baseline
▲ 0.50% · 4.625%
HK$3,530
+HK$177/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,706/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,432
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,538
−HK$109/mo
Today · 4.125%
HK$3,647
baseline
▲ 0.50% · 4.625%
HK$3,869
+HK$222/mo
Deposit HK$502K · loan HK$752K · min. income ≈ HK$7,294/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,818
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,920
−HK$104/mo
Today · 4.125%
HK$4,024
baseline
▲ 0.50% · 4.625%
HK$4,236
+HK$212/mo
Deposit HK$502K · loan HK$752K · min. income ≈ HK$8,048/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,003
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,128
−HK$127/mo
Today · 4.125%
HK$4,255
baseline
▲ 0.50% · 4.625%
HK$4,513
+HK$258/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$8,510/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,454
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,573
−HK$121/mo
Today · 4.125%
HK$4,694
baseline
▲ 0.50% · 4.625%
HK$4,942
+HK$248/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$9,388/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,147
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,307
−HK$163/mo
Today · 4.125%
HK$5,470
baseline
▲ 0.50% · 4.625%
HK$5,803
+HK$333/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$10,940/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,726
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,880
−HK$156/mo
Today · 4.125%
HK$6,036
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$318/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$12,072/mo (50% DSR)
Upfront cash ≈ HK$126K (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).