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$2,737
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,822
−HK$86/mo
Today · 4.125%
HK$2,908
baseline
▲ 0.50% · 4.625%
HK$3,085
+HK$177/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$5,816/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,044
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,126
−HK$83/mo
Today · 4.125%
HK$3,209
baseline
▲ 0.50% · 4.625%
HK$3,378
+HK$169/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$6,418/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,284
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,386
−HK$104/mo
Today · 4.125%
HK$3,490
baseline
▲ 0.50% · 4.625%
HK$3,702
+HK$212/mo
Deposit HK$480K · loan HK$720K · min. income ≈ HK$6,980/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,653
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,751
−HK$100/mo
Today · 4.125%
HK$3,851
baseline
▲ 0.50% · 4.625%
HK$4,054
+HK$203/mo
Deposit HK$480K · loan HK$720K · min. income ≈ HK$7,702/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,831
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,950
−HK$121/mo
Today · 4.125%
HK$4,071
baseline
▲ 0.50% · 4.625%
HK$4,319
+HK$248/mo
Deposit HK$360K · loan HK$840K · min. income ≈ HK$8,142/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,262
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,376
−HK$116/mo
Today · 4.125%
HK$4,492
baseline
▲ 0.50% · 4.625%
HK$4,729
+HK$237/mo
Deposit HK$360K · loan HK$840K · min. income ≈ HK$8,984/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,926
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$156/mo
Today · 4.125%
HK$5,235
baseline
▲ 0.50% · 4.625%
HK$5,553
+HK$318/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,470/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,480
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,627
−HK$149/mo
Today · 4.125%
HK$5,776
baseline
▲ 0.50% · 4.625%
HK$6,080
+HK$304/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,552/mo (50% DSR)
Upfront cash ≈ HK$120K (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).