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$2,947
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,039
−HK$93/mo
Today · 4.125%
HK$3,132
baseline
▲ 0.50% · 4.625%
HK$3,323
+HK$191/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,264/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,279
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,367
−HK$89/mo
Today · 4.125%
HK$3,456
baseline
▲ 0.50% · 4.625%
HK$3,638
+HK$182/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,912/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,537
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,647
−HK$112/mo
Today · 4.125%
HK$3,759
baseline
▲ 0.50% · 4.625%
HK$3,987
+HK$228/mo
Deposit HK$517K · loan HK$776K · min. income ≈ HK$7,518/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,935
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,040
−HK$107/mo
Today · 4.125%
HK$4,147
baseline
▲ 0.50% · 4.625%
HK$4,366
+HK$219/mo
Deposit HK$517K · loan HK$776K · min. income ≈ HK$8,294/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,126
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,255
−HK$130/mo
Today · 4.125%
HK$4,385
baseline
▲ 0.50% · 4.625%
HK$4,652
+HK$267/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$8,770/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,591
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,714
−HK$125/mo
Today · 4.125%
HK$4,839
baseline
▲ 0.50% · 4.625%
HK$5,094
+HK$255/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$9,678/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,305
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$168/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,981
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,276/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,902
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$161/mo
Today · 4.125%
HK$6,221
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$328/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,442/mo (50% DSR)
Upfront cash ≈ HK$129K (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).