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$2,789
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,875
−HK$88/mo
Today · 4.125%
HK$2,963
baseline
▲ 0.50% · 4.625%
HK$3,144
+HK$181/mo
Deposit HK$611K · loan HK$611K · min. income ≈ HK$5,926/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,102
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,185
−HK$85/mo
Today · 4.125%
HK$3,270
baseline
▲ 0.50% · 4.625%
HK$3,442
+HK$172/mo
Deposit HK$611K · loan HK$611K · min. income ≈ HK$6,540/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,346
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,450
−HK$106/mo
Today · 4.125%
HK$3,556
baseline
▲ 0.50% · 4.625%
HK$3,773
+HK$217/mo
Deposit HK$489K · loan HK$734K · min. income ≈ HK$7,112/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,723
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,823
−HK$101/mo
Today · 4.125%
HK$3,924
baseline
▲ 0.50% · 4.625%
HK$4,131
+HK$207/mo
Deposit HK$489K · loan HK$734K · min. income ≈ HK$7,848/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,904
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,025
−HK$124/mo
Today · 4.125%
HK$4,149
baseline
▲ 0.50% · 4.625%
HK$4,401
+HK$252/mo
Deposit HK$367K · loan HK$856K · min. income ≈ HK$8,298/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,343
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,460
−HK$118/mo
Today · 4.125%
HK$4,578
baseline
▲ 0.50% · 4.625%
HK$4,819
+HK$241/mo
Deposit HK$367K · loan HK$856K · min. income ≈ HK$9,156/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,019
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,176
−HK$158/mo
Today · 4.125%
HK$5,334
baseline
▲ 0.50% · 4.625%
HK$5,659
+HK$325/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$10,668/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$5,584
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$152/mo
Today · 4.125%
HK$5,886
baseline
▲ 0.50% · 4.625%
HK$6,196
+HK$310/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$11,772/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).