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$2,800
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,887
−HK$88/mo
Today · 4.125%
HK$2,975
baseline
▲ 0.50% · 4.625%
HK$3,156
+HK$181/mo
Deposit HK$614K · loan HK$614K · min. income ≈ HK$5,950/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,115
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,198
−HK$85/mo
Today · 4.125%
HK$3,283
baseline
▲ 0.50% · 4.625%
HK$3,456
+HK$173/mo
Deposit HK$614K · loan HK$614K · min. income ≈ HK$6,566/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,360
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,464
−HK$106/mo
Today · 4.125%
HK$3,570
baseline
▲ 0.50% · 4.625%
HK$3,788
+HK$218/mo
Deposit HK$491K · loan HK$737K · min. income ≈ HK$7,140/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,738
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,838
−HK$101/mo
Today · 4.125%
HK$3,939
baseline
▲ 0.50% · 4.625%
HK$4,147
+HK$208/mo
Deposit HK$491K · loan HK$737K · min. income ≈ HK$7,878/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,920
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,041
−HK$124/mo
Today · 4.125%
HK$4,165
baseline
▲ 0.50% · 4.625%
HK$4,419
+HK$254/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$8,330/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,360
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,477
−HK$119/mo
Today · 4.125%
HK$4,596
baseline
▲ 0.50% · 4.625%
HK$4,838
+HK$242/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$9,192/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,196
−HK$159/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$326/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$10,710/mo (50% DSR)
Upfront cash ≈ HK$123K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,606
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,757
−HK$152/mo
Today · 4.125%
HK$5,909
baseline
▲ 0.50% · 4.625%
HK$6,221
+HK$312/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$11,818/mo (50% DSR)
Upfront cash ≈ HK$123K (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).