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$2,881
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,971
−HK$91/mo
Today · 4.125%
HK$3,062
baseline
▲ 0.50% · 4.625%
HK$3,248
+HK$186/mo
Deposit HK$632K · loan HK$632K · min. income ≈ HK$6,124/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,206
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,292
−HK$87/mo
Today · 4.125%
HK$3,379
baseline
▲ 0.50% · 4.625%
HK$3,557
+HK$178/mo
Deposit HK$632K · loan HK$632K · min. income ≈ HK$6,758/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,458
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,565
−HK$110/mo
Today · 4.125%
HK$3,675
baseline
▲ 0.50% · 4.625%
HK$3,898
+HK$223/mo
Deposit HK$505K · loan HK$758K · min. income ≈ HK$7,350/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,847
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,950
−HK$105/mo
Today · 4.125%
HK$4,055
baseline
▲ 0.50% · 4.625%
HK$4,268
+HK$213/mo
Deposit HK$505K · loan HK$758K · min. income ≈ HK$8,110/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,034
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,159
−HK$128/mo
Today · 4.125%
HK$4,287
baseline
▲ 0.50% · 4.625%
HK$4,548
+HK$261/mo
Deposit HK$379K · loan HK$885K · min. income ≈ HK$8,574/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,488
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,608
−HK$122/mo
Today · 4.125%
HK$4,730
baseline
▲ 0.50% · 4.625%
HK$4,980
+HK$250/mo
Deposit HK$379K · loan HK$885K · min. income ≈ HK$9,460/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,187
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,348
−HK$164/mo
Today · 4.125%
HK$5,512
baseline
▲ 0.50% · 4.625%
HK$5,847
+HK$335/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$11,024/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$5,770
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,925
−HK$157/mo
Today · 4.125%
HK$6,082
baseline
▲ 0.50% · 4.625%
HK$6,402
+HK$320/mo
Deposit HK$126K · loan HK$1.14M · min. income ≈ HK$12,164/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).