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$2,922
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,013
−HK$92/mo
Today · 4.125%
HK$3,105
baseline
▲ 0.50% · 4.625%
HK$3,294
+HK$189/mo
Deposit HK$641K · loan HK$641K · min. income ≈ HK$6,210/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,251
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,338
−HK$88/mo
Today · 4.125%
HK$3,426
baseline
▲ 0.50% · 4.625%
HK$3,607
+HK$181/mo
Deposit HK$641K · loan HK$641K · min. income ≈ HK$6,852/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,506
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,615
−HK$111/mo
Today · 4.125%
HK$3,726
baseline
▲ 0.50% · 4.625%
HK$3,953
+HK$227/mo
Deposit HK$513K · loan HK$769K · min. income ≈ HK$7,452/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,901
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,005
−HK$107/mo
Today · 4.125%
HK$4,112
baseline
▲ 0.50% · 4.625%
HK$4,328
+HK$216/mo
Deposit HK$513K · loan HK$769K · min. income ≈ HK$8,224/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,091
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,218
−HK$129/mo
Today · 4.125%
HK$4,347
baseline
▲ 0.50% · 4.625%
HK$4,612
+HK$265/mo
Deposit HK$384K · loan HK$897K · min. income ≈ HK$8,694/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,551
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,673
−HK$124/mo
Today · 4.125%
HK$4,797
baseline
▲ 0.50% · 4.625%
HK$5,050
+HK$253/mo
Deposit HK$384K · loan HK$897K · min. income ≈ HK$9,594/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,260
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$166/mo
Today · 4.125%
HK$5,589
baseline
▲ 0.50% · 4.625%
HK$5,929
+HK$340/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,178/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,851
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$159/mo
Today · 4.125%
HK$6,167
baseline
▲ 0.50% · 4.625%
HK$6,492
+HK$325/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,334/mo (50% DSR)
Upfront cash ≈ HK$128K (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).