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$2,686
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,770
−HK$85/mo
Today · 4.125%
HK$2,855
baseline
▲ 0.50% · 4.625%
HK$3,028
+HK$173/mo
Deposit HK$589K · loan HK$589K · min. income ≈ HK$5,710/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,988
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,069
−HK$81/mo
Today · 4.125%
HK$3,150
baseline
▲ 0.50% · 4.625%
HK$3,316
+HK$166/mo
Deposit HK$589K · loan HK$589K · min. income ≈ HK$6,300/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,224
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,324
−HK$102/mo
Today · 4.125%
HK$3,426
baseline
▲ 0.50% · 4.625%
HK$3,634
+HK$208/mo
Deposit HK$471K · loan HK$707K · min. income ≈ HK$6,852/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,586
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,682
−HK$98/mo
Today · 4.125%
HK$3,780
baseline
▲ 0.50% · 4.625%
HK$3,979
+HK$199/mo
Deposit HK$471K · loan HK$707K · min. income ≈ HK$7,560/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,761
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,878
−HK$119/mo
Today · 4.125%
HK$3,997
baseline
▲ 0.50% · 4.625%
HK$4,240
+HK$243/mo
Deposit HK$353K · loan HK$825K · min. income ≈ HK$7,994/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,184
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,296
−HK$114/mo
Today · 4.125%
HK$4,410
baseline
▲ 0.50% · 4.625%
HK$4,642
+HK$232/mo
Deposit HK$353K · loan HK$825K · min. income ≈ HK$8,820/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,835
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,986
−HK$153/mo
Today · 4.125%
HK$5,139
baseline
▲ 0.50% · 4.625%
HK$5,451
+HK$312/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,278/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,379
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,524
−HK$146/mo
Today · 4.125%
HK$5,670
baseline
▲ 0.50% · 4.625%
HK$5,969
+HK$299/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,340/mo (50% DSR)
Upfront cash ≈ HK$118K (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).