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$2,595
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,676
−HK$82/mo
Today · 4.125%
HK$2,758
baseline
▲ 0.50% · 4.625%
HK$2,925
+HK$167/mo
Deposit HK$569K · loan HK$569K · min. income ≈ HK$5,516/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,887
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,964
−HK$79/mo
Today · 4.125%
HK$3,043
baseline
▲ 0.50% · 4.625%
HK$3,203
+HK$160/mo
Deposit HK$569K · loan HK$569K · min. income ≈ HK$6,086/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,114
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,211
−HK$98/mo
Today · 4.125%
HK$3,309
baseline
▲ 0.50% · 4.625%
HK$3,510
+HK$201/mo
Deposit HK$455K · loan HK$683K · min. income ≈ HK$6,618/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,464
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,557
−HK$94/mo
Today · 4.125%
HK$3,651
baseline
▲ 0.50% · 4.625%
HK$3,844
+HK$193/mo
Deposit HK$455K · loan HK$683K · min. income ≈ HK$7,302/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,633
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,746
−HK$115/mo
Today · 4.125%
HK$3,861
baseline
▲ 0.50% · 4.625%
HK$4,095
+HK$234/mo
Deposit HK$341K · loan HK$797K · min. income ≈ HK$7,722/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,041
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,150
−HK$110/mo
Today · 4.125%
HK$4,260
baseline
▲ 0.50% · 4.625%
HK$4,484
+HK$224/mo
Deposit HK$341K · loan HK$797K · min. income ≈ HK$8,520/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,671
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$148/mo
Today · 4.125%
HK$4,964
baseline
▲ 0.50% · 4.625%
HK$5,266
+HK$302/mo
Deposit HK$114K · loan HK$1.02M · min. income ≈ HK$9,928/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,196
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,335
−HK$142/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$289/mo
Deposit HK$114K · loan HK$1.02M · min. income ≈ HK$10,954/mo (50% DSR)
Upfront cash ≈ HK$114K (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).