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$2,625
−HK$165/mo
▼ 0.25% · 3.875%
HK$2,707
−HK$83/mo
Today · 4.125%
HK$2,790
baseline
▲ 0.50% · 4.625%
HK$2,959
+HK$169/mo
Deposit HK$576K · loan HK$576K · min. income ≈ HK$5,580/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,920
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,999
−HK$79/mo
Today · 4.125%
HK$3,078
baseline
▲ 0.50% · 4.625%
HK$3,240
+HK$162/mo
Deposit HK$576K · loan HK$576K · min. income ≈ HK$6,156/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,150
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,248
−HK$100/mo
Today · 4.125%
HK$3,348
baseline
▲ 0.50% · 4.625%
HK$3,551
+HK$203/mo
Deposit HK$460K · loan HK$691K · min. income ≈ HK$6,696/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,504
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,598
−HK$96/mo
Today · 4.125%
HK$3,694
baseline
▲ 0.50% · 4.625%
HK$3,888
+HK$194/mo
Deposit HK$460K · loan HK$691K · min. income ≈ HK$7,388/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,675
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,789
−HK$116/mo
Today · 4.125%
HK$3,905
baseline
▲ 0.50% · 4.625%
HK$4,143
+HK$238/mo
Deposit HK$345K · loan HK$806K · min. income ≈ HK$7,810/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,088
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,198
−HK$111/mo
Today · 4.125%
HK$4,309
baseline
▲ 0.50% · 4.625%
HK$4,536
+HK$227/mo
Deposit HK$345K · loan HK$806K · min. income ≈ HK$8,618/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,725
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,872
−HK$149/mo
Today · 4.125%
HK$5,021
baseline
▲ 0.50% · 4.625%
HK$5,327
+HK$306/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$10,042/mo (50% DSR)
Upfront cash ≈ HK$115K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,257
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$143/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,833
+HK$292/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$11,082/mo (50% DSR)
Upfront cash ≈ HK$115K (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).