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$2,700
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,784
−HK$85/mo
Today · 4.125%
HK$2,869
baseline
▲ 0.50% · 4.625%
HK$3,044
+HK$175/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$5,738/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,004
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,084
−HK$82/mo
Today · 4.125%
HK$3,166
baseline
▲ 0.50% · 4.625%
HK$3,333
+HK$167/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$6,332/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,240
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,341
−HK$102/mo
Today · 4.125%
HK$3,443
baseline
▲ 0.50% · 4.625%
HK$3,652
+HK$209/mo
Deposit HK$474K · loan HK$710K · min. income ≈ HK$6,886/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,604
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,701
−HK$98/mo
Today · 4.125%
HK$3,799
baseline
▲ 0.50% · 4.625%
HK$3,999
+HK$200/mo
Deposit HK$474K · loan HK$710K · min. income ≈ HK$7,598/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,780
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,897
−HK$120/mo
Today · 4.125%
HK$4,017
baseline
▲ 0.50% · 4.625%
HK$4,261
+HK$244/mo
Deposit HK$355K · loan HK$829K · min. income ≈ HK$8,034/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,205
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,318
−HK$114/mo
Today · 4.125%
HK$4,432
baseline
▲ 0.50% · 4.625%
HK$4,666
+HK$234/mo
Deposit HK$355K · loan HK$829K · min. income ≈ HK$8,864/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,860
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$154/mo
Today · 4.125%
HK$5,165
baseline
▲ 0.50% · 4.625%
HK$5,479
+HK$314/mo
Deposit HK$118K · loan HK$1.07M · min. income ≈ HK$10,330/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,406
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,551
−HK$148/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$5,999
+HK$300/mo
Deposit HK$118K · loan HK$1.07M · min. income ≈ HK$11,398/mo (50% DSR)
Upfront cash ≈ HK$119K (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).