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$2,862
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,951
−HK$91/mo
Today · 4.125%
HK$3,042
baseline
▲ 0.50% · 4.625%
HK$3,227
+HK$185/mo
Deposit HK$628K · loan HK$628K · min. income ≈ HK$6,084/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,184
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,270
−HK$86/mo
Today · 4.125%
HK$3,356
baseline
▲ 0.50% · 4.625%
HK$3,533
+HK$177/mo
Deposit HK$628K · loan HK$628K · min. income ≈ HK$6,712/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,435
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,542
−HK$108/mo
Today · 4.125%
HK$3,650
baseline
▲ 0.50% · 4.625%
HK$3,872
+HK$222/mo
Deposit HK$502K · loan HK$753K · min. income ≈ HK$7,300/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,821
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,924
−HK$104/mo
Today · 4.125%
HK$4,028
baseline
▲ 0.50% · 4.625%
HK$4,240
+HK$212/mo
Deposit HK$502K · loan HK$753K · min. income ≈ HK$8,056/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,007
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,132
−HK$127/mo
Today · 4.125%
HK$4,259
baseline
▲ 0.50% · 4.625%
HK$4,518
+HK$259/mo
Deposit HK$377K · loan HK$879K · min. income ≈ HK$8,518/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,458
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,578
−HK$121/mo
Today · 4.125%
HK$4,699
baseline
▲ 0.50% · 4.625%
HK$4,947
+HK$248/mo
Deposit HK$377K · loan HK$879K · min. income ≈ HK$9,398/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,152
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,313
−HK$162/mo
Today · 4.125%
HK$5,475
baseline
▲ 0.50% · 4.625%
HK$5,809
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,950/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$5,732
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$156/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,360
+HK$318/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,084/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).