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$2,885
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,975
−HK$91/mo
Today · 4.125%
HK$3,066
baseline
▲ 0.50% · 4.625%
HK$3,253
+HK$187/mo
Deposit HK$633K · loan HK$633K · min. income ≈ HK$6,132/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,210
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,296
−HK$87/mo
Today · 4.125%
HK$3,383
baseline
▲ 0.50% · 4.625%
HK$3,562
+HK$179/mo
Deposit HK$633K · loan HK$633K · min. income ≈ HK$6,766/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,462
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,570
−HK$110/mo
Today · 4.125%
HK$3,680
baseline
▲ 0.50% · 4.625%
HK$3,903
+HK$223/mo
Deposit HK$506K · loan HK$759K · min. income ≈ HK$7,360/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,852
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,955
−HK$105/mo
Today · 4.125%
HK$4,060
baseline
▲ 0.50% · 4.625%
HK$4,274
+HK$214/mo
Deposit HK$506K · loan HK$759K · min. income ≈ HK$8,120/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,040
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,165
−HK$128/mo
Today · 4.125%
HK$4,293
baseline
▲ 0.50% · 4.625%
HK$4,554
+HK$261/mo
Deposit HK$380K · loan HK$886K · min. income ≈ HK$8,586/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,494
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$123/mo
Today · 4.125%
HK$4,737
baseline
▲ 0.50% · 4.625%
HK$4,986
+HK$249/mo
Deposit HK$380K · loan HK$886K · min. income ≈ HK$9,474/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,194
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$164/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,855
+HK$336/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,038/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$5,778
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,933
−HK$157/mo
Today · 4.125%
HK$6,090
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$321/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,180/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).