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$2,893
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,983
−HK$91/mo
Today · 4.125%
HK$3,074
baseline
▲ 0.50% · 4.625%
HK$3,261
+HK$187/mo
Deposit HK$634K · loan HK$634K · min. income ≈ HK$6,148/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,218
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,304
−HK$88/mo
Today · 4.125%
HK$3,392
baseline
▲ 0.50% · 4.625%
HK$3,571
+HK$179/mo
Deposit HK$634K · loan HK$634K · min. income ≈ HK$6,784/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,471
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,579
−HK$110/mo
Today · 4.125%
HK$3,689
baseline
▲ 0.50% · 4.625%
HK$3,913
+HK$224/mo
Deposit HK$507K · loan HK$761K · min. income ≈ HK$7,378/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,862
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,965
−HK$105/mo
Today · 4.125%
HK$4,070
baseline
▲ 0.50% · 4.625%
HK$4,285
+HK$215/mo
Deposit HK$507K · loan HK$761K · min. income ≈ HK$8,140/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,050
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,176
−HK$128/mo
Today · 4.125%
HK$4,304
baseline
▲ 0.50% · 4.625%
HK$4,566
+HK$262/mo
Deposit HK$381K · loan HK$888K · min. income ≈ HK$8,608/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,505
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,626
−HK$123/mo
Today · 4.125%
HK$4,749
baseline
▲ 0.50% · 4.625%
HK$4,999
+HK$250/mo
Deposit HK$381K · loan HK$888K · min. income ≈ HK$9,498/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,207
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$164/mo
Today · 4.125%
HK$5,533
baseline
▲ 0.50% · 4.625%
HK$5,870
+HK$337/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,066/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,793
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$158/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$321/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,212/mo (50% DSR)
Upfront cash ≈ HK$127K (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).