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$3,012
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,106
−HK$95/mo
Today · 4.125%
HK$3,201
baseline
▲ 0.50% · 4.625%
HK$3,396
+HK$195/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$6,402/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,351
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,441
−HK$91/mo
Today · 4.125%
HK$3,532
baseline
▲ 0.50% · 4.625%
HK$3,718
+HK$186/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$7,064/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,614
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,727
−HK$114/mo
Today · 4.125%
HK$3,841
baseline
▲ 0.50% · 4.625%
HK$4,075
+HK$234/mo
Deposit HK$528K · loan HK$793K · min. income ≈ HK$7,682/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,021
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,129
−HK$109/mo
Today · 4.125%
HK$4,238
baseline
▲ 0.50% · 4.625%
HK$4,462
+HK$224/mo
Deposit HK$528K · loan HK$793K · min. income ≈ HK$8,476/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,217
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$133/mo
Today · 4.125%
HK$4,481
baseline
▲ 0.50% · 4.625%
HK$4,754
+HK$273/mo
Deposit HK$396K · loan HK$925K · min. income ≈ HK$8,962/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,691
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$128/mo
Today · 4.125%
HK$4,945
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$260/mo
Deposit HK$396K · loan HK$925K · min. income ≈ HK$9,890/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,422
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,590
−HK$172/mo
Today · 4.125%
HK$5,762
baseline
▲ 0.50% · 4.625%
HK$6,112
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,524/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,032
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$164/mo
Today · 4.125%
HK$6,357
baseline
▲ 0.50% · 4.625%
HK$6,692
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,714/mo (50% DSR)
Upfront cash ≈ HK$132K (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).