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$2,644
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,726
−HK$84/mo
Today · 4.125%
HK$2,810
baseline
▲ 0.50% · 4.625%
HK$2,981
+HK$171/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$5,620/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,941
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,020
−HK$80/mo
Today · 4.125%
HK$3,100
baseline
▲ 0.50% · 4.625%
HK$3,264
+HK$164/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$6,200/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,173
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,271
−HK$101/mo
Today · 4.125%
HK$3,372
baseline
▲ 0.50% · 4.625%
HK$3,577
+HK$205/mo
Deposit HK$464K · loan HK$696K · min. income ≈ HK$6,744/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,530
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,624
−HK$96/mo
Today · 4.125%
HK$3,720
baseline
▲ 0.50% · 4.625%
HK$3,916
+HK$196/mo
Deposit HK$464K · loan HK$696K · min. income ≈ HK$7,440/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,702
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,817
−HK$117/mo
Today · 4.125%
HK$3,934
baseline
▲ 0.50% · 4.625%
HK$4,173
+HK$239/mo
Deposit HK$348K · loan HK$812K · min. income ≈ HK$7,868/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,118
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,228
−HK$112/mo
Today · 4.125%
HK$4,340
baseline
▲ 0.50% · 4.625%
HK$4,569
+HK$229/mo
Deposit HK$348K · loan HK$812K · min. income ≈ HK$8,680/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,759
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$151/mo
Today · 4.125%
HK$5,058
baseline
▲ 0.50% · 4.625%
HK$5,365
+HK$307/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$10,116/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,294
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$145/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$294/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$11,162/mo (50% DSR)
Upfront cash ≈ HK$116K (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).