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$2,716
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,800
−HK$86/mo
Today · 4.125%
HK$2,886
baseline
▲ 0.50% · 4.625%
HK$3,062
+HK$176/mo
Deposit HK$595K · loan HK$595K · min. income ≈ HK$5,772/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,021
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,102
−HK$82/mo
Today · 4.125%
HK$3,184
baseline
▲ 0.50% · 4.625%
HK$3,352
+HK$168/mo
Deposit HK$595K · loan HK$595K · min. income ≈ HK$6,368/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,259
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,360
−HK$103/mo
Today · 4.125%
HK$3,463
baseline
▲ 0.50% · 4.625%
HK$3,674
+HK$211/mo
Deposit HK$476K · loan HK$715K · min. income ≈ HK$6,926/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,625
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,723
−HK$98/mo
Today · 4.125%
HK$3,821
baseline
▲ 0.50% · 4.625%
HK$4,023
+HK$202/mo
Deposit HK$476K · loan HK$715K · min. income ≈ HK$7,642/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,802
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,920
−HK$120/mo
Today · 4.125%
HK$4,040
baseline
▲ 0.50% · 4.625%
HK$4,286
+HK$246/mo
Deposit HK$357K · loan HK$834K · min. income ≈ HK$8,080/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,230
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,343
−HK$115/mo
Today · 4.125%
HK$4,458
baseline
▲ 0.50% · 4.625%
HK$4,693
+HK$235/mo
Deposit HK$357K · loan HK$834K · min. income ≈ HK$8,916/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,888
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,040
−HK$155/mo
Today · 4.125%
HK$5,195
baseline
▲ 0.50% · 4.625%
HK$5,511
+HK$316/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,390/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,438
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,584
−HK$148/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,034
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,464/mo (50% DSR)
Upfront cash ≈ HK$119K (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).