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$2,695
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,779
−HK$85/mo
Today · 4.125%
HK$2,864
baseline
▲ 0.50% · 4.625%
HK$3,038
+HK$174/mo
Deposit HK$591K · loan HK$591K · min. income ≈ HK$5,728/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,998
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,078
−HK$82/mo
Today · 4.125%
HK$3,160
baseline
▲ 0.50% · 4.625%
HK$3,326
+HK$166/mo
Deposit HK$591K · loan HK$591K · min. income ≈ HK$6,320/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,234
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,334
−HK$102/mo
Today · 4.125%
HK$3,436
baseline
▲ 0.50% · 4.625%
HK$3,646
+HK$210/mo
Deposit HK$473K · loan HK$709K · min. income ≈ HK$6,872/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,597
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,694
−HK$98/mo
Today · 4.125%
HK$3,792
baseline
▲ 0.50% · 4.625%
HK$3,992
+HK$200/mo
Deposit HK$473K · loan HK$709K · min. income ≈ HK$7,584/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,773
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,890
−HK$119/mo
Today · 4.125%
HK$4,009
baseline
▲ 0.50% · 4.625%
HK$4,253
+HK$244/mo
Deposit HK$355K · loan HK$827K · min. income ≈ HK$8,018/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,197
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,310
−HK$114/mo
Today · 4.125%
HK$4,424
baseline
▲ 0.50% · 4.625%
HK$4,657
+HK$233/mo
Deposit HK$355K · loan HK$827K · min. income ≈ HK$8,848/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,851
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,001
−HK$154/mo
Today · 4.125%
HK$5,155
baseline
▲ 0.50% · 4.625%
HK$5,468
+HK$313/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,310/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,396
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,541
−HK$147/mo
Today · 4.125%
HK$5,688
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,376/mo (50% DSR)
Upfront cash ≈ HK$118K (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).