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$2,740
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,826
−HK$86/mo
Today · 4.125%
HK$2,912
baseline
▲ 0.50% · 4.625%
HK$3,089
+HK$177/mo
Deposit HK$601K · loan HK$601K · min. income ≈ HK$5,824/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,049
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,130
−HK$83/mo
Today · 4.125%
HK$3,213
baseline
▲ 0.50% · 4.625%
HK$3,383
+HK$170/mo
Deposit HK$601K · loan HK$601K · min. income ≈ HK$6,426/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,288
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,391
−HK$104/mo
Today · 4.125%
HK$3,495
baseline
▲ 0.50% · 4.625%
HK$3,707
+HK$212/mo
Deposit HK$481K · loan HK$721K · min. income ≈ HK$6,990/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,658
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,756
−HK$100/mo
Today · 4.125%
HK$3,856
baseline
▲ 0.50% · 4.625%
HK$4,059
+HK$203/mo
Deposit HK$481K · loan HK$721K · min. income ≈ HK$7,712/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,836
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,956
−HK$121/mo
Today · 4.125%
HK$4,077
baseline
▲ 0.50% · 4.625%
HK$4,325
+HK$248/mo
Deposit HK$361K · loan HK$841K · min. income ≈ HK$8,154/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,268
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,383
−HK$116/mo
Today · 4.125%
HK$4,499
baseline
▲ 0.50% · 4.625%
HK$4,736
+HK$237/mo
Deposit HK$361K · loan HK$841K · min. income ≈ HK$8,998/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,933
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,086
−HK$156/mo
Today · 4.125%
HK$5,242
baseline
▲ 0.50% · 4.625%
HK$5,561
+HK$319/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,484/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,487
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,635
−HK$149/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,089
+HK$305/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,568/mo (50% DSR)
Upfront cash ≈ HK$120K (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).