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$2,587
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,667
−HK$82/mo
Today · 4.125%
HK$2,749
baseline
▲ 0.50% · 4.625%
HK$2,916
+HK$167/mo
Deposit HK$567K · loan HK$567K · min. income ≈ HK$5,498/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,878
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,955
−HK$78/mo
Today · 4.125%
HK$3,033
baseline
▲ 0.50% · 4.625%
HK$3,193
+HK$160/mo
Deposit HK$567K · loan HK$567K · min. income ≈ HK$6,066/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,104
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,201
−HK$98/mo
Today · 4.125%
HK$3,299
baseline
▲ 0.50% · 4.625%
HK$3,500
+HK$201/mo
Deposit HK$454K · loan HK$681K · min. income ≈ HK$6,598/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,453
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,546
−HK$94/mo
Today · 4.125%
HK$3,640
baseline
▲ 0.50% · 4.625%
HK$3,832
+HK$192/mo
Deposit HK$454K · loan HK$681K · min. income ≈ HK$7,280/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,622
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,734
−HK$115/mo
Today · 4.125%
HK$3,849
baseline
▲ 0.50% · 4.625%
HK$4,083
+HK$234/mo
Deposit HK$340K · loan HK$794K · min. income ≈ HK$7,698/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,029
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$110/mo
Today · 4.125%
HK$4,247
baseline
▲ 0.50% · 4.625%
HK$4,470
+HK$223/mo
Deposit HK$340K · loan HK$794K · min. income ≈ HK$8,494/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,656
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,801
−HK$147/mo
Today · 4.125%
HK$4,948
baseline
▲ 0.50% · 4.625%
HK$5,249
+HK$301/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$9,896/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,180
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,319
−HK$141/mo
Today · 4.125%
HK$5,460
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$288/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$10,920/mo (50% DSR)
Upfront cash ≈ HK$114K (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).