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$2,696
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,780
−HK$85/mo
Today · 4.125%
HK$2,865
baseline
▲ 0.50% · 4.625%
HK$3,039
+HK$174/mo
Deposit HK$591K · loan HK$591K · min. income ≈ HK$5,730/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,999
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,080
−HK$81/mo
Today · 4.125%
HK$3,161
baseline
▲ 0.50% · 4.625%
HK$3,328
+HK$167/mo
Deposit HK$591K · loan HK$591K · min. income ≈ HK$6,322/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,235
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,336
−HK$102/mo
Today · 4.125%
HK$3,438
baseline
▲ 0.50% · 4.625%
HK$3,647
+HK$209/mo
Deposit HK$473K · loan HK$709K · min. income ≈ HK$6,876/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,599
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,695
−HK$98/mo
Today · 4.125%
HK$3,793
baseline
▲ 0.50% · 4.625%
HK$3,993
+HK$200/mo
Deposit HK$473K · loan HK$709K · min. income ≈ HK$7,586/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,774
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,892
−HK$119/mo
Today · 4.125%
HK$4,011
baseline
▲ 0.50% · 4.625%
HK$4,255
+HK$244/mo
Deposit HK$355K · loan HK$828K · min. income ≈ HK$8,022/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$4,199
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,311
−HK$115/mo
Today · 4.125%
HK$4,426
baseline
▲ 0.50% · 4.625%
HK$4,659
+HK$233/mo
Deposit HK$355K · loan HK$828K · min. income ≈ HK$8,852/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$4,852
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,003
−HK$154/mo
Today · 4.125%
HK$5,157
baseline
▲ 0.50% · 4.625%
HK$5,471
+HK$314/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,314/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$5,398
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,543
−HK$147/mo
Today · 4.125%
HK$5,690
baseline
▲ 0.50% · 4.625%
HK$5,990
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,380/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).