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$2,719
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,804
−HK$86/mo
Today · 4.125%
HK$2,890
baseline
▲ 0.50% · 4.625%
HK$3,065
+HK$175/mo
Deposit HK$596K · loan HK$596K · min. income ≈ HK$5,780/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,025
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,106
−HK$82/mo
Today · 4.125%
HK$3,188
baseline
▲ 0.50% · 4.625%
HK$3,356
+HK$168/mo
Deposit HK$596K · loan HK$596K · min. income ≈ HK$6,376/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,263
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,364
−HK$103/mo
Today · 4.125%
HK$3,467
baseline
▲ 0.50% · 4.625%
HK$3,678
+HK$211/mo
Deposit HK$477K · loan HK$715K · min. income ≈ HK$6,934/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,630
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,727
−HK$99/mo
Today · 4.125%
HK$3,826
baseline
▲ 0.50% · 4.625%
HK$4,028
+HK$202/mo
Deposit HK$477K · loan HK$715K · min. income ≈ HK$7,652/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,807
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,925
−HK$120/mo
Today · 4.125%
HK$4,045
baseline
▲ 0.50% · 4.625%
HK$4,292
+HK$247/mo
Deposit HK$358K · loan HK$835K · min. income ≈ HK$8,090/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,235
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$116/mo
Today · 4.125%
HK$4,464
baseline
▲ 0.50% · 4.625%
HK$4,699
+HK$235/mo
Deposit HK$358K · loan HK$835K · min. income ≈ HK$8,928/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,894
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,047
−HK$154/mo
Today · 4.125%
HK$5,201
baseline
▲ 0.50% · 4.625%
HK$5,518
+HK$317/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,402/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$5,445
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,591
−HK$148/mo
Today · 4.125%
HK$5,739
baseline
▲ 0.50% · 4.625%
HK$6,042
+HK$303/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,478/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).