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$2,693
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,777
−HK$85/mo
Today · 4.125%
HK$2,862
baseline
▲ 0.50% · 4.625%
HK$3,036
+HK$174/mo
Deposit HK$590K · loan HK$590K · min. income ≈ HK$5,724/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,996
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,076
−HK$82/mo
Today · 4.125%
HK$3,158
baseline
▲ 0.50% · 4.625%
HK$3,324
+HK$166/mo
Deposit HK$590K · loan HK$590K · min. income ≈ HK$6,316/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,231
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,332
−HK$102/mo
Today · 4.125%
HK$3,434
baseline
▲ 0.50% · 4.625%
HK$3,643
+HK$209/mo
Deposit HK$472K · loan HK$709K · min. income ≈ HK$6,868/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,595
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,691
−HK$98/mo
Today · 4.125%
HK$3,789
baseline
▲ 0.50% · 4.625%
HK$3,989
+HK$200/mo
Deposit HK$472K · loan HK$709K · min. income ≈ HK$7,578/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,770
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,887
−HK$119/mo
Today · 4.125%
HK$4,006
baseline
▲ 0.50% · 4.625%
HK$4,250
+HK$244/mo
Deposit HK$354K · loan HK$827K · min. income ≈ HK$8,012/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,194
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,307
−HK$114/mo
Today · 4.125%
HK$4,421
baseline
▲ 0.50% · 4.625%
HK$4,654
+HK$233/mo
Deposit HK$354K · loan HK$827K · min. income ≈ HK$8,842/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,847
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$153/mo
Today · 4.125%
HK$5,151
baseline
▲ 0.50% · 4.625%
HK$5,465
+HK$314/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,302/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,392
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$147/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$5,983
+HK$299/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,368/mo (50% DSR)
Upfront cash ≈ HK$118K (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).