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$2,754
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,840
−HK$87/mo
Today · 4.125%
HK$2,927
baseline
▲ 0.50% · 4.625%
HK$3,105
+HK$178/mo
Deposit HK$604K · loan HK$604K · min. income ≈ HK$5,854/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,064
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,146
−HK$84/mo
Today · 4.125%
HK$3,230
baseline
▲ 0.50% · 4.625%
HK$3,400
+HK$170/mo
Deposit HK$604K · loan HK$604K · min. income ≈ HK$6,460/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,305
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,408
−HK$105/mo
Today · 4.125%
HK$3,513
baseline
▲ 0.50% · 4.625%
HK$3,726
+HK$213/mo
Deposit HK$483K · loan HK$725K · min. income ≈ HK$7,026/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,677
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,776
−HK$100/mo
Today · 4.125%
HK$3,876
baseline
▲ 0.50% · 4.625%
HK$4,080
+HK$204/mo
Deposit HK$483K · loan HK$725K · min. income ≈ HK$7,752/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,856
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,976
−HK$122/mo
Today · 4.125%
HK$4,098
baseline
▲ 0.50% · 4.625%
HK$4,347
+HK$249/mo
Deposit HK$362K · loan HK$846K · min. income ≈ HK$8,196/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,290
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,405
−HK$117/mo
Today · 4.125%
HK$4,522
baseline
▲ 0.50% · 4.625%
HK$4,760
+HK$238/mo
Deposit HK$362K · loan HK$846K · min. income ≈ HK$9,044/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,958
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$157/mo
Today · 4.125%
HK$5,269
baseline
▲ 0.50% · 4.625%
HK$5,589
+HK$320/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$10,538/mo (50% DSR)
Upfront cash ≈ HK$121K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,516
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$150/mo
Today · 4.125%
HK$5,814
baseline
▲ 0.50% · 4.625%
HK$6,120
+HK$306/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$11,628/mo (50% DSR)
Upfront cash ≈ HK$121K (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).