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$2,988
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,081
−HK$95/mo
Today · 4.125%
HK$3,176
baseline
▲ 0.50% · 4.625%
HK$3,369
+HK$193/mo
Deposit HK$655K · loan HK$655K · min. income ≈ HK$6,352/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,324
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,413
−HK$91/mo
Today · 4.125%
HK$3,504
baseline
▲ 0.50% · 4.625%
HK$3,689
+HK$185/mo
Deposit HK$655K · loan HK$655K · min. income ≈ HK$7,008/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,586
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,697
−HK$114/mo
Today · 4.125%
HK$3,811
baseline
▲ 0.50% · 4.625%
HK$4,043
+HK$232/mo
Deposit HK$524K · loan HK$786K · min. income ≈ HK$7,622/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,989
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,096
−HK$109/mo
Today · 4.125%
HK$4,205
baseline
▲ 0.50% · 4.625%
HK$4,426
+HK$221/mo
Deposit HK$524K · loan HK$786K · min. income ≈ HK$8,410/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,183
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,314
−HK$132/mo
Today · 4.125%
HK$4,446
baseline
▲ 0.50% · 4.625%
HK$4,716
+HK$270/mo
Deposit HK$393K · loan HK$917K · min. income ≈ HK$8,892/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,654
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,779
−HK$127/mo
Today · 4.125%
HK$4,906
baseline
▲ 0.50% · 4.625%
HK$5,164
+HK$258/mo
Deposit HK$393K · loan HK$917K · min. income ≈ HK$9,812/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,379
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,546
−HK$170/mo
Today · 4.125%
HK$5,716
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$348/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,432/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$5,984
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$163/mo
Today · 4.125%
HK$6,307
baseline
▲ 0.50% · 4.625%
HK$6,640
+HK$333/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,614/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).