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$2,802
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,890
−HK$88/mo
Today · 4.125%
HK$2,978
baseline
▲ 0.50% · 4.625%
HK$3,159
+HK$181/mo
Deposit HK$615K · loan HK$615K · min. income ≈ HK$5,956/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,118
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,201
−HK$85/mo
Today · 4.125%
HK$3,286
baseline
▲ 0.50% · 4.625%
HK$3,459
+HK$173/mo
Deposit HK$615K · loan HK$615K · min. income ≈ HK$6,572/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,363
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,468
−HK$106/mo
Today · 4.125%
HK$3,574
baseline
▲ 0.50% · 4.625%
HK$3,791
+HK$217/mo
Deposit HK$492K · loan HK$737K · min. income ≈ HK$7,148/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,741
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,842
−HK$101/mo
Today · 4.125%
HK$3,943
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$208/mo
Deposit HK$492K · loan HK$737K · min. income ≈ HK$7,886/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,923
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,046
−HK$124/mo
Today · 4.125%
HK$4,170
baseline
▲ 0.50% · 4.625%
HK$4,423
+HK$253/mo
Deposit HK$369K · loan HK$860K · min. income ≈ HK$8,340/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,365
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$119/mo
Today · 4.125%
HK$4,601
baseline
▲ 0.50% · 4.625%
HK$4,843
+HK$242/mo
Deposit HK$369K · loan HK$860K · min. income ≈ HK$9,202/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,044
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,201
−HK$160/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$326/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$10,722/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$5,612
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,762
−HK$153/mo
Today · 4.125%
HK$5,915
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$312/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$11,830/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).