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$2,893
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,983
−HK$92/mo
Today · 4.125%
HK$3,075
baseline
▲ 0.50% · 4.625%
HK$3,262
+HK$187/mo
Deposit HK$634K · loan HK$634K · min. income ≈ HK$6,150/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,219
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,305
−HK$87/mo
Today · 4.125%
HK$3,392
baseline
▲ 0.50% · 4.625%
HK$3,571
+HK$179/mo
Deposit HK$634K · loan HK$634K · min. income ≈ HK$6,784/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,472
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,580
−HK$109/mo
Today · 4.125%
HK$3,689
baseline
▲ 0.50% · 4.625%
HK$3,914
+HK$225/mo
Deposit HK$508K · loan HK$761K · min. income ≈ HK$7,378/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,862
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,966
−HK$105/mo
Today · 4.125%
HK$4,071
baseline
▲ 0.50% · 4.625%
HK$4,286
+HK$215/mo
Deposit HK$508K · loan HK$761K · min. income ≈ HK$8,142/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,050
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,176
−HK$128/mo
Today · 4.125%
HK$4,304
baseline
▲ 0.50% · 4.625%
HK$4,566
+HK$262/mo
Deposit HK$381K · loan HK$888K · min. income ≈ HK$8,608/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,506
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,627
−HK$122/mo
Today · 4.125%
HK$4,749
baseline
▲ 0.50% · 4.625%
HK$5,000
+HK$251/mo
Deposit HK$381K · loan HK$888K · min. income ≈ HK$9,498/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,208
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,370
−HK$164/mo
Today · 4.125%
HK$5,534
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$337/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,068/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,793
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$157/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$322/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,212/mo (50% DSR)
Upfront cash ≈ HK$127K (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).