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$2,708
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,793
−HK$85/mo
Today · 4.125%
HK$2,878
baseline
▲ 0.50% · 4.625%
HK$3,053
+HK$175/mo
Deposit HK$594K · loan HK$594K · min. income ≈ HK$5,756/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,013
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,094
−HK$82/mo
Today · 4.125%
HK$3,176
baseline
▲ 0.50% · 4.625%
HK$3,343
+HK$167/mo
Deposit HK$594K · loan HK$594K · min. income ≈ HK$6,352/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,250
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,351
−HK$103/mo
Today · 4.125%
HK$3,454
baseline
▲ 0.50% · 4.625%
HK$3,664
+HK$210/mo
Deposit HK$475K · loan HK$713K · min. income ≈ HK$6,908/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,616
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,713
−HK$98/mo
Today · 4.125%
HK$3,811
baseline
▲ 0.50% · 4.625%
HK$4,012
+HK$201/mo
Deposit HK$475K · loan HK$713K · min. income ≈ HK$7,622/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,792
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,910
−HK$119/mo
Today · 4.125%
HK$4,029
baseline
▲ 0.50% · 4.625%
HK$4,275
+HK$246/mo
Deposit HK$356K · loan HK$831K · min. income ≈ HK$8,058/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,218
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,331
−HK$115/mo
Today · 4.125%
HK$4,446
baseline
▲ 0.50% · 4.625%
HK$4,680
+HK$234/mo
Deposit HK$356K · loan HK$831K · min. income ≈ HK$8,892/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,875
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,027
−HK$154/mo
Today · 4.125%
HK$5,181
baseline
▲ 0.50% · 4.625%
HK$5,496
+HK$315/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,362/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$5,423
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,569
−HK$147/mo
Today · 4.125%
HK$5,716
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,432/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).