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$2,702
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,786
−HK$86/mo
Today · 4.125%
HK$2,872
baseline
▲ 0.50% · 4.625%
HK$3,046
+HK$174/mo
Deposit HK$593K · loan HK$593K · min. income ≈ HK$5,744/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,006
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,087
−HK$82/mo
Today · 4.125%
HK$3,169
baseline
▲ 0.50% · 4.625%
HK$3,336
+HK$167/mo
Deposit HK$593K · loan HK$593K · min. income ≈ HK$6,338/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,243
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,344
−HK$102/mo
Today · 4.125%
HK$3,446
baseline
▲ 0.50% · 4.625%
HK$3,656
+HK$210/mo
Deposit HK$474K · loan HK$711K · min. income ≈ HK$6,892/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$3,608
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,704
−HK$98/mo
Today · 4.125%
HK$3,802
baseline
▲ 0.50% · 4.625%
HK$4,003
+HK$201/mo
Deposit HK$474K · loan HK$711K · min. income ≈ HK$7,604/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$3,783
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,901
−HK$119/mo
Today · 4.125%
HK$4,020
baseline
▲ 0.50% · 4.625%
HK$4,265
+HK$245/mo
Deposit HK$356K · loan HK$830K · min. income ≈ HK$8,040/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,209
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,322
−HK$114/mo
Today · 4.125%
HK$4,436
baseline
▲ 0.50% · 4.625%
HK$4,670
+HK$234/mo
Deposit HK$356K · loan HK$830K · min. income ≈ HK$8,872/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,864
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,015
−HK$154/mo
Today · 4.125%
HK$5,169
baseline
▲ 0.50% · 4.625%
HK$5,484
+HK$315/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,338/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$5,411
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,556
−HK$148/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,004
+HK$300/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,408/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).