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$2,979
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,072
−HK$94/mo
Today · 4.125%
HK$3,166
baseline
▲ 0.50% · 4.625%
HK$3,359
+HK$193/mo
Deposit HK$653K · loan HK$653K · min. income ≈ HK$6,332/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,315
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,404
−HK$90/mo
Today · 4.125%
HK$3,494
baseline
▲ 0.50% · 4.625%
HK$3,678
+HK$184/mo
Deposit HK$653K · loan HK$653K · min. income ≈ HK$6,988/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,575
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,687
−HK$113/mo
Today · 4.125%
HK$3,800
baseline
▲ 0.50% · 4.625%
HK$4,031
+HK$231/mo
Deposit HK$523K · loan HK$784K · min. income ≈ HK$7,600/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,978
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,084
−HK$108/mo
Today · 4.125%
HK$4,192
baseline
▲ 0.50% · 4.625%
HK$4,413
+HK$221/mo
Deposit HK$523K · loan HK$784K · min. income ≈ HK$8,384/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,171
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,301
−HK$132/mo
Today · 4.125%
HK$4,433
baseline
▲ 0.50% · 4.625%
HK$4,703
+HK$270/mo
Deposit HK$392K · loan HK$915K · min. income ≈ HK$8,866/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,640
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,765
−HK$126/mo
Today · 4.125%
HK$4,891
baseline
▲ 0.50% · 4.625%
HK$5,149
+HK$258/mo
Deposit HK$392K · loan HK$915K · min. income ≈ HK$9,782/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,363
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,530
−HK$169/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$6,046
+HK$347/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,398/mo (50% DSR)
Upfront cash ≈ HK$131K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,966
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$163/mo
Today · 4.125%
HK$6,289
baseline
▲ 0.50% · 4.625%
HK$6,620
+HK$331/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,578/mo (50% DSR)
Upfront cash ≈ HK$131K (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).