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$2,634
−HK$165/mo
▼ 0.25% · 3.875%
HK$2,715
−HK$84/mo
Today · 4.125%
HK$2,799
baseline
▲ 0.50% · 4.625%
HK$2,969
+HK$170/mo
Deposit HK$577K · loan HK$577K · min. income ≈ HK$5,598/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$2,930
−HK$158/mo
▼ 0.25% · 3.875%
HK$3,008
−HK$80/mo
Today · 4.125%
HK$3,088
baseline
▲ 0.50% · 4.625%
HK$3,251
+HK$163/mo
Deposit HK$577K · loan HK$577K · min. income ≈ HK$6,176/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$3,160
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,259
−HK$99/mo
Today · 4.125%
HK$3,358
baseline
▲ 0.50% · 4.625%
HK$3,563
+HK$205/mo
Deposit HK$462K · loan HK$693K · min. income ≈ HK$6,716/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,516
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,610
−HK$96/mo
Today · 4.125%
HK$3,706
baseline
▲ 0.50% · 4.625%
HK$3,901
+HK$195/mo
Deposit HK$462K · loan HK$693K · min. income ≈ HK$7,412/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,687
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,802
−HK$116/mo
Today · 4.125%
HK$3,918
baseline
▲ 0.50% · 4.625%
HK$4,157
+HK$239/mo
Deposit HK$346K · loan HK$808K · min. income ≈ HK$7,836/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$4,102
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,212
−HK$111/mo
Today · 4.125%
HK$4,323
baseline
▲ 0.50% · 4.625%
HK$4,551
+HK$228/mo
Deposit HK$346K · loan HK$808K · min. income ≈ HK$8,646/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$4,740
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,888
−HK$150/mo
Today · 4.125%
HK$5,038
baseline
▲ 0.50% · 4.625%
HK$5,344
+HK$306/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$10,076/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$5,274
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$143/mo
Today · 4.125%
HK$5,558
baseline
▲ 0.50% · 4.625%
HK$5,851
+HK$293/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$11,116/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).