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$3,000
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,094
−HK$94/mo
Today · 4.125%
HK$3,188
baseline
▲ 0.50% · 4.625%
HK$3,382
+HK$194/mo
Deposit HK$658K · loan HK$658K · min. income ≈ HK$6,376/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,338
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,427
−HK$91/mo
Today · 4.125%
HK$3,518
baseline
▲ 0.50% · 4.625%
HK$3,703
+HK$185/mo
Deposit HK$658K · loan HK$658K · min. income ≈ HK$7,036/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,600
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,712
−HK$114/mo
Today · 4.125%
HK$3,826
baseline
▲ 0.50% · 4.625%
HK$4,059
+HK$233/mo
Deposit HK$526K · loan HK$789K · min. income ≈ HK$7,652/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,005
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,113
−HK$109/mo
Today · 4.125%
HK$4,222
baseline
▲ 0.50% · 4.625%
HK$4,444
+HK$222/mo
Deposit HK$526K · loan HK$789K · min. income ≈ HK$8,444/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,200
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,331
−HK$133/mo
Today · 4.125%
HK$4,464
baseline
▲ 0.50% · 4.625%
HK$4,735
+HK$271/mo
Deposit HK$395K · loan HK$921K · min. income ≈ HK$8,928/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,673
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,798
−HK$127/mo
Today · 4.125%
HK$4,925
baseline
▲ 0.50% · 4.625%
HK$5,185
+HK$260/mo
Deposit HK$395K · loan HK$921K · min. income ≈ HK$9,850/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,400
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,568
−HK$171/mo
Today · 4.125%
HK$5,739
baseline
▲ 0.50% · 4.625%
HK$6,088
+HK$349/mo
Deposit HK$132K · loan HK$1.18M · min. income ≈ HK$11,478/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,008
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,169
−HK$163/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,666
+HK$334/mo
Deposit HK$132K · loan HK$1.18M · min. income ≈ HK$12,664/mo (50% DSR)
Upfront cash ≈ HK$132K (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).