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$2,636
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,718
−HK$84/mo
Today · 4.125%
HK$2,802
baseline
▲ 0.50% · 4.625%
HK$2,972
+HK$170/mo
Deposit HK$578K · loan HK$578K · min. income ≈ HK$5,604/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,933
−HK$158/mo
▼ 0.25% · 3.875%
HK$3,012
−HK$79/mo
Today · 4.125%
HK$3,091
baseline
▲ 0.50% · 4.625%
HK$3,254
+HK$163/mo
Deposit HK$578K · loan HK$578K · min. income ≈ HK$6,182/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,164
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,262
−HK$100/mo
Today · 4.125%
HK$3,362
baseline
▲ 0.50% · 4.625%
HK$3,567
+HK$205/mo
Deposit HK$462K · loan HK$694K · min. income ≈ HK$6,724/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,520
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,614
−HK$96/mo
Today · 4.125%
HK$3,710
baseline
▲ 0.50% · 4.625%
HK$3,905
+HK$195/mo
Deposit HK$462K · loan HK$694K · min. income ≈ HK$7,420/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,691
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,806
−HK$116/mo
Today · 4.125%
HK$3,922
baseline
▲ 0.50% · 4.625%
HK$4,161
+HK$239/mo
Deposit HK$347K · loan HK$809K · min. income ≈ HK$7,844/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,106
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,216
−HK$112/mo
Today · 4.125%
HK$4,328
baseline
▲ 0.50% · 4.625%
HK$4,556
+HK$228/mo
Deposit HK$347K · loan HK$809K · min. income ≈ HK$8,656/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,746
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$150/mo
Today · 4.125%
HK$5,043
baseline
▲ 0.50% · 4.625%
HK$5,350
+HK$307/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$10,086/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,279
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$144/mo
Today · 4.125%
HK$5,565
baseline
▲ 0.50% · 4.625%
HK$5,858
+HK$293/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$11,130/mo (50% DSR)
Upfront cash ≈ HK$116K (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).