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$2,830
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,918
−HK$90/mo
Today · 4.125%
HK$3,008
baseline
▲ 0.50% · 4.625%
HK$3,191
+HK$183/mo
Deposit HK$621K · loan HK$621K · min. income ≈ HK$6,016/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,149
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,233
−HK$86/mo
Today · 4.125%
HK$3,319
baseline
▲ 0.50% · 4.625%
HK$3,494
+HK$175/mo
Deposit HK$621K · loan HK$621K · min. income ≈ HK$6,638/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,396
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,502
−HK$107/mo
Today · 4.125%
HK$3,609
baseline
▲ 0.50% · 4.625%
HK$3,829
+HK$220/mo
Deposit HK$497K · loan HK$745K · min. income ≈ HK$7,218/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,779
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,880
−HK$103/mo
Today · 4.125%
HK$3,983
baseline
▲ 0.50% · 4.625%
HK$4,193
+HK$210/mo
Deposit HK$497K · loan HK$745K · min. income ≈ HK$7,966/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,963
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,086
−HK$125/mo
Today · 4.125%
HK$4,211
baseline
▲ 0.50% · 4.625%
HK$4,467
+HK$256/mo
Deposit HK$372K · loan HK$869K · min. income ≈ HK$8,422/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,408
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,527
−HK$119/mo
Today · 4.125%
HK$4,646
baseline
▲ 0.50% · 4.625%
HK$4,891
+HK$245/mo
Deposit HK$372K · loan HK$869K · min. income ≈ HK$9,292/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,095
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,253
−HK$161/mo
Today · 4.125%
HK$5,414
baseline
▲ 0.50% · 4.625%
HK$5,744
+HK$330/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$10,828/mo (50% DSR)
Upfront cash ≈ HK$124K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,668
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,820
−HK$154/mo
Today · 4.125%
HK$5,974
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$315/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$11,948/mo (50% DSR)
Upfront cash ≈ HK$124K (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).