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$2,772
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,858
−HK$88/mo
Today · 4.125%
HK$2,946
baseline
▲ 0.50% · 4.625%
HK$3,125
+HK$179/mo
Deposit HK$608K · loan HK$608K · min. income ≈ HK$5,892/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,084
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,166
−HK$84/mo
Today · 4.125%
HK$3,250
baseline
▲ 0.50% · 4.625%
HK$3,422
+HK$172/mo
Deposit HK$608K · loan HK$608K · min. income ≈ HK$6,500/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,326
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,430
−HK$105/mo
Today · 4.125%
HK$3,535
baseline
▲ 0.50% · 4.625%
HK$3,750
+HK$215/mo
Deposit HK$486K · loan HK$729K · min. income ≈ HK$7,070/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,701
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,800
−HK$100/mo
Today · 4.125%
HK$3,900
baseline
▲ 0.50% · 4.625%
HK$4,106
+HK$206/mo
Deposit HK$486K · loan HK$729K · min. income ≈ HK$7,800/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,881
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,001
−HK$123/mo
Today · 4.125%
HK$4,124
baseline
▲ 0.50% · 4.625%
HK$4,375
+HK$251/mo
Deposit HK$365K · loan HK$851K · min. income ≈ HK$8,248/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,317
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,433
−HK$118/mo
Today · 4.125%
HK$4,551
baseline
▲ 0.50% · 4.625%
HK$4,790
+HK$239/mo
Deposit HK$365K · loan HK$851K · min. income ≈ HK$9,102/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,989
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$157/mo
Today · 4.125%
HK$5,302
baseline
▲ 0.50% · 4.625%
HK$5,625
+HK$323/mo
Deposit HK$122K · loan HK$1.09M · min. income ≈ HK$10,604/mo (50% DSR)
Upfront cash ≈ HK$122K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,551
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$151/mo
Today · 4.125%
HK$5,851
baseline
▲ 0.50% · 4.625%
HK$6,159
+HK$308/mo
Deposit HK$122K · loan HK$1.09M · min. income ≈ HK$11,702/mo (50% DSR)
Upfront cash ≈ HK$122K (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).