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$2,782
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,868
−HK$88/mo
Today · 4.125%
HK$2,956
baseline
▲ 0.50% · 4.625%
HK$3,136
+HK$180/mo
Deposit HK$610K · loan HK$610K · min. income ≈ HK$5,912/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,095
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,178
−HK$84/mo
Today · 4.125%
HK$3,262
baseline
▲ 0.50% · 4.625%
HK$3,434
+HK$172/mo
Deposit HK$610K · loan HK$610K · min. income ≈ HK$6,524/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,338
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,442
−HK$106/mo
Today · 4.125%
HK$3,548
baseline
▲ 0.50% · 4.625%
HK$3,763
+HK$215/mo
Deposit HK$488K · loan HK$732K · min. income ≈ HK$7,096/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,714
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,813
−HK$101/mo
Today · 4.125%
HK$3,914
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$207/mo
Deposit HK$488K · loan HK$732K · min. income ≈ HK$7,828/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,895
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,016
−HK$123/mo
Today · 4.125%
HK$4,139
baseline
▲ 0.50% · 4.625%
HK$4,391
+HK$252/mo
Deposit HK$366K · loan HK$854K · min. income ≈ HK$8,278/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,333
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,449
−HK$118/mo
Today · 4.125%
HK$4,567
baseline
▲ 0.50% · 4.625%
HK$4,807
+HK$240/mo
Deposit HK$366K · loan HK$854K · min. income ≈ HK$9,134/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,007
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,163
−HK$158/mo
Today · 4.125%
HK$5,321
baseline
▲ 0.50% · 4.625%
HK$5,645
+HK$324/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$10,642/mo (50% DSR)
Upfront cash ≈ HK$122K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,571
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,720
−HK$152/mo
Today · 4.125%
HK$5,872
baseline
▲ 0.50% · 4.625%
HK$6,181
+HK$309/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$11,744/mo (50% DSR)
Upfront cash ≈ HK$122K (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).