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$2,716
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,801
−HK$85/mo
Today · 4.125%
HK$2,886
baseline
▲ 0.50% · 4.625%
HK$3,062
+HK$176/mo
Deposit HK$596K · loan HK$596K · min. income ≈ HK$5,772/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,022
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,103
−HK$82/mo
Today · 4.125%
HK$3,185
baseline
▲ 0.50% · 4.625%
HK$3,353
+HK$168/mo
Deposit HK$596K · loan HK$596K · min. income ≈ HK$6,370/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,259
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,361
−HK$103/mo
Today · 4.125%
HK$3,464
baseline
▲ 0.50% · 4.625%
HK$3,674
+HK$210/mo
Deposit HK$476K · loan HK$715K · min. income ≈ HK$6,928/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,626
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,723
−HK$99/mo
Today · 4.125%
HK$3,822
baseline
▲ 0.50% · 4.625%
HK$4,023
+HK$201/mo
Deposit HK$476K · loan HK$715K · min. income ≈ HK$7,644/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,802
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,921
−HK$120/mo
Today · 4.125%
HK$4,041
baseline
▲ 0.50% · 4.625%
HK$4,287
+HK$246/mo
Deposit HK$357K · loan HK$834K · min. income ≈ HK$8,082/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,230
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,344
−HK$115/mo
Today · 4.125%
HK$4,459
baseline
▲ 0.50% · 4.625%
HK$4,694
+HK$235/mo
Deposit HK$357K · loan HK$834K · min. income ≈ HK$8,918/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,889
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,041
−HK$155/mo
Today · 4.125%
HK$5,196
baseline
▲ 0.50% · 4.625%
HK$5,512
+HK$316/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,392/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,439
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,585
−HK$148/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,035
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,466/mo (50% DSR)
Upfront cash ≈ HK$119K (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).