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$2,934
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,025
−HK$93/mo
Today · 4.125%
HK$3,118
baseline
▲ 0.50% · 4.625%
HK$3,308
+HK$190/mo
Deposit HK$643K · loan HK$643K · min. income ≈ HK$6,236/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,264
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,352
−HK$89/mo
Today · 4.125%
HK$3,441
baseline
▲ 0.50% · 4.625%
HK$3,622
+HK$181/mo
Deposit HK$643K · loan HK$643K · min. income ≈ HK$6,882/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,521
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,631
−HK$111/mo
Today · 4.125%
HK$3,742
baseline
▲ 0.50% · 4.625%
HK$3,970
+HK$228/mo
Deposit HK$515K · loan HK$772K · min. income ≈ HK$7,484/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,917
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,022
−HK$107/mo
Today · 4.125%
HK$4,129
baseline
▲ 0.50% · 4.625%
HK$4,346
+HK$217/mo
Deposit HK$515K · loan HK$772K · min. income ≈ HK$8,258/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,108
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,236
−HK$130/mo
Today · 4.125%
HK$4,366
baseline
▲ 0.50% · 4.625%
HK$4,631
+HK$265/mo
Deposit HK$386K · loan HK$901K · min. income ≈ HK$8,732/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,570
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,693
−HK$124/mo
Today · 4.125%
HK$4,817
baseline
▲ 0.50% · 4.625%
HK$5,071
+HK$254/mo
Deposit HK$386K · loan HK$901K · min. income ≈ HK$9,634/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,282
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,446
−HK$167/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,954
+HK$341/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,226/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,876
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,033
−HK$160/mo
Today · 4.125%
HK$6,193
baseline
▲ 0.50% · 4.625%
HK$6,520
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,386/mo (50% DSR)
Upfront cash ≈ HK$129K (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).