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$2,683
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,767
−HK$85/mo
Today · 4.125%
HK$2,852
baseline
▲ 0.50% · 4.625%
HK$3,025
+HK$173/mo
Deposit HK$588K · loan HK$588K · min. income ≈ HK$5,704/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,985
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,065
−HK$82/mo
Today · 4.125%
HK$3,147
baseline
▲ 0.50% · 4.625%
HK$3,312
+HK$165/mo
Deposit HK$588K · loan HK$588K · min. income ≈ HK$6,294/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,220
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,320
−HK$102/mo
Today · 4.125%
HK$3,422
baseline
▲ 0.50% · 4.625%
HK$3,630
+HK$208/mo
Deposit HK$471K · loan HK$706K · min. income ≈ HK$6,844/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,582
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,678
−HK$98/mo
Today · 4.125%
HK$3,776
baseline
▲ 0.50% · 4.625%
HK$3,975
+HK$199/mo
Deposit HK$471K · loan HK$706K · min. income ≈ HK$7,552/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,757
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,874
−HK$118/mo
Today · 4.125%
HK$3,992
baseline
▲ 0.50% · 4.625%
HK$4,235
+HK$243/mo
Deposit HK$353K · loan HK$824K · min. income ≈ HK$7,984/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,179
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,291
−HK$114/mo
Today · 4.125%
HK$4,405
baseline
▲ 0.50% · 4.625%
HK$4,637
+HK$232/mo
Deposit HK$353K · loan HK$824K · min. income ≈ HK$8,810/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,830
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,980
−HK$153/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,445
+HK$312/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,266/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$5,374
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,518
−HK$146/mo
Today · 4.125%
HK$5,664
baseline
▲ 0.50% · 4.625%
HK$5,962
+HK$298/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,328/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).