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$2,737
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,823
−HK$86/mo
Today · 4.125%
HK$2,909
baseline
▲ 0.50% · 4.625%
HK$3,086
+HK$177/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$5,818/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,045
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,127
−HK$83/mo
Today · 4.125%
HK$3,210
baseline
▲ 0.50% · 4.625%
HK$3,379
+HK$169/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$6,420/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,285
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,387
−HK$104/mo
Today · 4.125%
HK$3,491
baseline
▲ 0.50% · 4.625%
HK$3,703
+HK$212/mo
Deposit HK$480K · loan HK$720K · min. income ≈ HK$6,982/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,654
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,752
−HK$100/mo
Today · 4.125%
HK$3,852
baseline
▲ 0.50% · 4.625%
HK$4,055
+HK$203/mo
Deposit HK$480K · loan HK$720K · min. income ≈ HK$7,704/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,832
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,952
−HK$121/mo
Today · 4.125%
HK$4,073
baseline
▲ 0.50% · 4.625%
HK$4,320
+HK$247/mo
Deposit HK$360K · loan HK$840K · min. income ≈ HK$8,146/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,263
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,378
−HK$116/mo
Today · 4.125%
HK$4,494
baseline
▲ 0.50% · 4.625%
HK$4,731
+HK$237/mo
Deposit HK$360K · loan HK$840K · min. income ≈ HK$8,988/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$155/mo
Today · 4.125%
HK$5,236
baseline
▲ 0.50% · 4.625%
HK$5,555
+HK$319/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,472/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,482
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$149/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$304/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,556/mo (50% DSR)
Upfront cash ≈ HK$120K (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).