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$2,925
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,016
−HK$93/mo
Today · 4.125%
HK$3,109
baseline
▲ 0.50% · 4.625%
HK$3,298
+HK$189/mo
Deposit HK$641K · loan HK$641K · min. income ≈ HK$6,218/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,254
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,342
−HK$88/mo
Today · 4.125%
HK$3,430
baseline
▲ 0.50% · 4.625%
HK$3,611
+HK$181/mo
Deposit HK$641K · loan HK$641K · min. income ≈ HK$6,860/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,510
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,620
−HK$111/mo
Today · 4.125%
HK$3,731
baseline
▲ 0.50% · 4.625%
HK$3,958
+HK$227/mo
Deposit HK$513K · loan HK$770K · min. income ≈ HK$7,462/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,905
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,010
−HK$106/mo
Today · 4.125%
HK$4,116
baseline
▲ 0.50% · 4.625%
HK$4,333
+HK$217/mo
Deposit HK$513K · loan HK$770K · min. income ≈ HK$8,232/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,096
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,223
−HK$129/mo
Today · 4.125%
HK$4,352
baseline
▲ 0.50% · 4.625%
HK$4,617
+HK$265/mo
Deposit HK$385K · loan HK$898K · min. income ≈ HK$8,704/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,556
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,678
−HK$124/mo
Today · 4.125%
HK$4,802
baseline
▲ 0.50% · 4.625%
HK$5,056
+HK$254/mo
Deposit HK$385K · loan HK$898K · min. income ≈ HK$9,604/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,266
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,429
−HK$167/mo
Today · 4.125%
HK$5,596
baseline
▲ 0.50% · 4.625%
HK$5,936
+HK$340/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,192/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,858
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$160/mo
Today · 4.125%
HK$6,175
baseline
▲ 0.50% · 4.625%
HK$6,500
+HK$325/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,350/mo (50% DSR)
Upfront cash ≈ HK$128K (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).