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$2,661
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,744
−HK$84/mo
Today · 4.125%
HK$2,828
baseline
▲ 0.50% · 4.625%
HK$3,000
+HK$172/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$5,656/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,960
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,040
−HK$80/mo
Today · 4.125%
HK$3,120
baseline
▲ 0.50% · 4.625%
HK$3,285
+HK$165/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$6,240/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,193
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,293
−HK$101/mo
Today · 4.125%
HK$3,394
baseline
▲ 0.50% · 4.625%
HK$3,600
+HK$206/mo
Deposit HK$467K · loan HK$700K · min. income ≈ HK$6,788/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,553
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,648
−HK$96/mo
Today · 4.125%
HK$3,744
baseline
▲ 0.50% · 4.625%
HK$3,942
+HK$198/mo
Deposit HK$467K · loan HK$700K · min. income ≈ HK$7,488/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,726
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,841
−HK$118/mo
Today · 4.125%
HK$3,959
baseline
▲ 0.50% · 4.625%
HK$4,200
+HK$241/mo
Deposit HK$350K · loan HK$817K · min. income ≈ HK$7,918/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,145
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,256
−HK$113/mo
Today · 4.125%
HK$4,369
baseline
▲ 0.50% · 4.625%
HK$4,599
+HK$230/mo
Deposit HK$350K · loan HK$817K · min. income ≈ HK$8,738/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,790
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,939
−HK$151/mo
Today · 4.125%
HK$5,090
baseline
▲ 0.50% · 4.625%
HK$5,400
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,180/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,329
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$145/mo
Today · 4.125%
HK$5,617
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$296/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,234/mo (50% DSR)
Upfront cash ≈ HK$117K (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).