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$2,985
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,077
−HK$95/mo
Today · 4.125%
HK$3,172
baseline
▲ 0.50% · 4.625%
HK$3,365
+HK$193/mo
Deposit HK$654K · loan HK$654K · min. income ≈ HK$6,344/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,320
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,409
−HK$91/mo
Today · 4.125%
HK$3,500
baseline
▲ 0.50% · 4.625%
HK$3,684
+HK$184/mo
Deposit HK$654K · loan HK$654K · min. income ≈ HK$7,000/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,582
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,693
−HK$113/mo
Today · 4.125%
HK$3,806
baseline
▲ 0.50% · 4.625%
HK$4,038
+HK$232/mo
Deposit HK$524K · loan HK$785K · min. income ≈ HK$7,612/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,984
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,091
−HK$109/mo
Today · 4.125%
HK$4,200
baseline
▲ 0.50% · 4.625%
HK$4,421
+HK$221/mo
Deposit HK$524K · loan HK$785K · min. income ≈ HK$8,400/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,178
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,308
−HK$132/mo
Today · 4.125%
HK$4,440
baseline
▲ 0.50% · 4.625%
HK$4,711
+HK$271/mo
Deposit HK$393K · loan HK$916K · min. income ≈ HK$8,880/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,648
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,773
−HK$127/mo
Today · 4.125%
HK$4,900
baseline
▲ 0.50% · 4.625%
HK$5,158
+HK$258/mo
Deposit HK$393K · loan HK$916K · min. income ≈ HK$9,800/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,372
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,539
−HK$170/mo
Today · 4.125%
HK$5,709
baseline
▲ 0.50% · 4.625%
HK$6,057
+HK$348/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,418/mo (50% DSR)
Upfront cash ≈ HK$131K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,977
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,137
−HK$162/mo
Today · 4.125%
HK$6,299
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$333/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,598/mo (50% DSR)
Upfront cash ≈ HK$131K (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).