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$2,879
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,969
−HK$91/mo
Today · 4.125%
HK$3,060
baseline
▲ 0.50% · 4.625%
HK$3,246
+HK$186/mo
Deposit HK$631K · loan HK$631K · min. income ≈ HK$6,120/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,203
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,289
−HK$87/mo
Today · 4.125%
HK$3,376
baseline
▲ 0.50% · 4.625%
HK$3,554
+HK$178/mo
Deposit HK$631K · loan HK$631K · min. income ≈ HK$6,752/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,455
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,562
−HK$110/mo
Today · 4.125%
HK$3,672
baseline
▲ 0.50% · 4.625%
HK$3,895
+HK$223/mo
Deposit HK$505K · loan HK$758K · min. income ≈ HK$7,344/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,843
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,947
−HK$104/mo
Today · 4.125%
HK$4,051
baseline
▲ 0.50% · 4.625%
HK$4,265
+HK$214/mo
Deposit HK$505K · loan HK$758K · min. income ≈ HK$8,102/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,031
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,156
−HK$127/mo
Today · 4.125%
HK$4,283
baseline
▲ 0.50% · 4.625%
HK$4,544
+HK$261/mo
Deposit HK$379K · loan HK$884K · min. income ≈ HK$8,566/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,484
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,604
−HK$122/mo
Today · 4.125%
HK$4,726
baseline
▲ 0.50% · 4.625%
HK$4,975
+HK$249/mo
Deposit HK$379K · loan HK$884K · min. income ≈ HK$9,452/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,182
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,343
−HK$164/mo
Today · 4.125%
HK$5,507
baseline
▲ 0.50% · 4.625%
HK$5,842
+HK$335/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$11,014/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,765
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,920
−HK$157/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$320/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$12,154/mo (50% DSR)
Upfront cash ≈ HK$126K (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).