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$2,690
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,774
−HK$85/mo
Today · 4.125%
HK$2,859
baseline
▲ 0.50% · 4.625%
HK$3,033
+HK$174/mo
Deposit HK$590K · loan HK$590K · min. income ≈ HK$5,718/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,992
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,073
−HK$81/mo
Today · 4.125%
HK$3,154
baseline
▲ 0.50% · 4.625%
HK$3,320
+HK$166/mo
Deposit HK$590K · loan HK$590K · min. income ≈ HK$6,308/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,228
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,328
−HK$102/mo
Today · 4.125%
HK$3,430
baseline
▲ 0.50% · 4.625%
HK$3,639
+HK$209/mo
Deposit HK$472K · loan HK$708K · min. income ≈ HK$6,860/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,591
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,687
−HK$98/mo
Today · 4.125%
HK$3,785
baseline
▲ 0.50% · 4.625%
HK$3,984
+HK$199/mo
Deposit HK$472K · loan HK$708K · min. income ≈ HK$7,570/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,766
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,883
−HK$119/mo
Today · 4.125%
HK$4,002
baseline
▲ 0.50% · 4.625%
HK$4,246
+HK$244/mo
Deposit HK$354K · loan HK$826K · min. income ≈ HK$8,004/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,189
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,302
−HK$114/mo
Today · 4.125%
HK$4,416
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$233/mo
Deposit HK$354K · loan HK$826K · min. income ≈ HK$8,832/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,842
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,992
−HK$153/mo
Today · 4.125%
HK$5,145
baseline
▲ 0.50% · 4.625%
HK$5,459
+HK$314/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,290/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$5,386
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,531
−HK$146/mo
Today · 4.125%
HK$5,677
baseline
▲ 0.50% · 4.625%
HK$5,977
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,354/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).