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$2,791
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,878
−HK$88/mo
Today · 4.125%
HK$2,966
baseline
▲ 0.50% · 4.625%
HK$3,147
+HK$181/mo
Deposit HK$612K · loan HK$612K · min. income ≈ HK$5,932/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,105
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,188
−HK$85/mo
Today · 4.125%
HK$3,273
baseline
▲ 0.50% · 4.625%
HK$3,446
+HK$173/mo
Deposit HK$612K · loan HK$612K · min. income ≈ HK$6,546/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,349
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,454
−HK$106/mo
Today · 4.125%
HK$3,560
baseline
▲ 0.50% · 4.625%
HK$3,776
+HK$216/mo
Deposit HK$490K · loan HK$734K · min. income ≈ HK$7,120/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,726
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,826
−HK$102/mo
Today · 4.125%
HK$3,928
baseline
▲ 0.50% · 4.625%
HK$4,135
+HK$207/mo
Deposit HK$490K · loan HK$734K · min. income ≈ HK$7,856/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,908
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,029
−HK$124/mo
Today · 4.125%
HK$4,153
baseline
▲ 0.50% · 4.625%
HK$4,405
+HK$252/mo
Deposit HK$367K · loan HK$857K · min. income ≈ HK$8,306/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,347
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,464
−HK$118/mo
Today · 4.125%
HK$4,582
baseline
▲ 0.50% · 4.625%
HK$4,824
+HK$242/mo
Deposit HK$367K · loan HK$857K · min. income ≈ HK$9,164/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,024
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,180
−HK$159/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,664
+HK$325/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$10,678/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$5,589
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,739
−HK$152/mo
Today · 4.125%
HK$5,891
baseline
▲ 0.50% · 4.625%
HK$6,202
+HK$311/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$11,782/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).