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$2,748
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,833
−HK$87/mo
Today · 4.125%
HK$2,920
baseline
▲ 0.50% · 4.625%
HK$3,098
+HK$178/mo
Deposit HK$602K · loan HK$602K · min. income ≈ HK$5,840/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,057
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,139
−HK$83/mo
Today · 4.125%
HK$3,222
baseline
▲ 0.50% · 4.625%
HK$3,392
+HK$170/mo
Deposit HK$602K · loan HK$602K · min. income ≈ HK$6,444/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,297
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,400
−HK$104/mo
Today · 4.125%
HK$3,504
baseline
▲ 0.50% · 4.625%
HK$3,717
+HK$213/mo
Deposit HK$482K · loan HK$723K · min. income ≈ HK$7,008/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,668
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,766
−HK$100/mo
Today · 4.125%
HK$3,866
baseline
▲ 0.50% · 4.625%
HK$4,070
+HK$204/mo
Deposit HK$482K · loan HK$723K · min. income ≈ HK$7,732/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,847
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,966
−HK$122/mo
Today · 4.125%
HK$4,088
baseline
▲ 0.50% · 4.625%
HK$4,337
+HK$249/mo
Deposit HK$361K · loan HK$843K · min. income ≈ HK$8,176/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$4,279
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,394
−HK$117/mo
Today · 4.125%
HK$4,511
baseline
▲ 0.50% · 4.625%
HK$4,748
+HK$237/mo
Deposit HK$361K · loan HK$843K · min. income ≈ HK$9,022/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$4,946
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,100
−HK$156/mo
Today · 4.125%
HK$5,256
baseline
▲ 0.50% · 4.625%
HK$5,576
+HK$320/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,512/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$5,502
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,650
−HK$149/mo
Today · 4.125%
HK$5,799
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$306/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,598/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).