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$2,685
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,769
−HK$84/mo
Today · 4.125%
HK$2,853
baseline
▲ 0.50% · 4.625%
HK$3,027
+HK$174/mo
Deposit HK$589K · loan HK$589K · min. income ≈ HK$5,706/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,987
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,067
−HK$81/mo
Today · 4.125%
HK$3,148
baseline
▲ 0.50% · 4.625%
HK$3,314
+HK$166/mo
Deposit HK$589K · loan HK$589K · min. income ≈ HK$6,296/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,222
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,322
−HK$102/mo
Today · 4.125%
HK$3,424
baseline
▲ 0.50% · 4.625%
HK$3,632
+HK$208/mo
Deposit HK$471K · loan HK$706K · min. income ≈ HK$6,848/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,584
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,681
−HK$97/mo
Today · 4.125%
HK$3,778
baseline
▲ 0.50% · 4.625%
HK$3,977
+HK$199/mo
Deposit HK$471K · loan HK$706K · min. income ≈ HK$7,556/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,759
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,876
−HK$119/mo
Today · 4.125%
HK$3,995
baseline
▲ 0.50% · 4.625%
HK$4,238
+HK$243/mo
Deposit HK$353K · loan HK$824K · min. income ≈ HK$7,990/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,182
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,294
−HK$114/mo
Today · 4.125%
HK$4,408
baseline
▲ 0.50% · 4.625%
HK$4,640
+HK$232/mo
Deposit HK$353K · loan HK$824K · min. income ≈ HK$8,816/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,833
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$153/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$313/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,272/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,377
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,521
−HK$146/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$299/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,334/mo (50% DSR)
Upfront cash ≈ HK$118K (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).