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$2,797
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,884
−HK$89/mo
Today · 4.125%
HK$2,973
baseline
▲ 0.50% · 4.625%
HK$3,153
+HK$180/mo
Deposit HK$613K · loan HK$613K · min. income ≈ HK$5,946/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,112
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,195
−HK$85/mo
Today · 4.125%
HK$3,280
baseline
▲ 0.50% · 4.625%
HK$3,453
+HK$173/mo
Deposit HK$613K · loan HK$613K · min. income ≈ HK$6,560/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,357
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,461
−HK$106/mo
Today · 4.125%
HK$3,567
baseline
▲ 0.50% · 4.625%
HK$3,784
+HK$217/mo
Deposit HK$491K · loan HK$736K · min. income ≈ HK$7,134/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,734
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,834
−HK$102/mo
Today · 4.125%
HK$3,936
baseline
▲ 0.50% · 4.625%
HK$4,143
+HK$207/mo
Deposit HK$491K · loan HK$736K · min. income ≈ HK$7,872/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,916
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,038
−HK$124/mo
Today · 4.125%
HK$4,162
baseline
▲ 0.50% · 4.625%
HK$4,415
+HK$253/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$8,324/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,357
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,473
−HK$119/mo
Today · 4.125%
HK$4,592
baseline
▲ 0.50% · 4.625%
HK$4,834
+HK$242/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$9,184/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,192
−HK$159/mo
Today · 4.125%
HK$5,351
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$325/mo
Deposit HK$123K · loan HK$1.10M · min. income ≈ HK$10,702/mo (50% DSR)
Upfront cash ≈ HK$123K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,601
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$152/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$311/mo
Deposit HK$123K · loan HK$1.10M · min. income ≈ HK$11,808/mo (50% DSR)
Upfront cash ≈ HK$123K (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).