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$2,590
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,671
−HK$82/mo
Today · 4.125%
HK$2,753
baseline
▲ 0.50% · 4.625%
HK$2,920
+HK$167/mo
Deposit HK$568K · loan HK$568K · min. income ≈ HK$5,506/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,882
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,959
−HK$78/mo
Today · 4.125%
HK$3,037
baseline
▲ 0.50% · 4.625%
HK$3,197
+HK$160/mo
Deposit HK$568K · loan HK$568K · min. income ≈ HK$6,074/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,108
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,205
−HK$98/mo
Today · 4.125%
HK$3,303
baseline
▲ 0.50% · 4.625%
HK$3,504
+HK$201/mo
Deposit HK$454K · loan HK$682K · min. income ≈ HK$6,606/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,458
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,551
−HK$94/mo
Today · 4.125%
HK$3,645
baseline
▲ 0.50% · 4.625%
HK$3,837
+HK$192/mo
Deposit HK$454K · loan HK$682K · min. income ≈ HK$7,290/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,626
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,739
−HK$115/mo
Today · 4.125%
HK$3,854
baseline
▲ 0.50% · 4.625%
HK$4,088
+HK$234/mo
Deposit HK$341K · loan HK$795K · min. income ≈ HK$7,708/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,034
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,143
−HK$109/mo
Today · 4.125%
HK$4,252
baseline
▲ 0.50% · 4.625%
HK$4,476
+HK$224/mo
Deposit HK$341K · loan HK$795K · min. income ≈ HK$8,504/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,662
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,808
−HK$147/mo
Today · 4.125%
HK$4,955
baseline
▲ 0.50% · 4.625%
HK$5,256
+HK$301/mo
Deposit HK$114K · loan HK$1.02M · min. income ≈ HK$9,910/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,187
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$141/mo
Today · 4.125%
HK$5,467
baseline
▲ 0.50% · 4.625%
HK$5,755
+HK$288/mo
Deposit HK$114K · loan HK$1.02M · min. income ≈ HK$10,934/mo (50% DSR)
Upfront cash ≈ HK$114K (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).