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$2,701
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,785
−HK$85/mo
Today · 4.125%
HK$2,870
baseline
▲ 0.50% · 4.625%
HK$3,045
+HK$175/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$5,740/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,005
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,085
−HK$82/mo
Today · 4.125%
HK$3,167
baseline
▲ 0.50% · 4.625%
HK$3,334
+HK$167/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$6,334/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,241
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,342
−HK$102/mo
Today · 4.125%
HK$3,444
baseline
▲ 0.50% · 4.625%
HK$3,654
+HK$210/mo
Deposit HK$474K · loan HK$711K · min. income ≈ HK$6,888/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,606
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,702
−HK$98/mo
Today · 4.125%
HK$3,800
baseline
▲ 0.50% · 4.625%
HK$4,001
+HK$201/mo
Deposit HK$474K · loan HK$711K · min. income ≈ HK$7,600/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,781
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,899
−HK$119/mo
Today · 4.125%
HK$4,018
baseline
▲ 0.50% · 4.625%
HK$4,263
+HK$245/mo
Deposit HK$355K · loan HK$829K · min. income ≈ HK$8,036/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,206
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,319
−HK$115/mo
Today · 4.125%
HK$4,434
baseline
▲ 0.50% · 4.625%
HK$4,667
+HK$233/mo
Deposit HK$355K · loan HK$829K · min. income ≈ HK$8,868/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,861
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,013
−HK$153/mo
Today · 4.125%
HK$5,166
baseline
▲ 0.50% · 4.625%
HK$5,481
+HK$315/mo
Deposit HK$118K · loan HK$1.07M · min. income ≈ HK$10,332/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,408
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,553
−HK$147/mo
Today · 4.125%
HK$5,700
baseline
▲ 0.50% · 4.625%
HK$6,001
+HK$301/mo
Deposit HK$118K · loan HK$1.07M · min. income ≈ HK$11,400/mo (50% DSR)
Upfront cash ≈ HK$119K (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).