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$2,722
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,807
−HK$86/mo
Today · 4.125%
HK$2,893
baseline
▲ 0.50% · 4.625%
HK$3,069
+HK$176/mo
Deposit HK$597K · loan HK$597K · min. income ≈ HK$5,786/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,029
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,110
−HK$82/mo
Today · 4.125%
HK$3,192
baseline
▲ 0.50% · 4.625%
HK$3,361
+HK$169/mo
Deposit HK$597K · loan HK$597K · min. income ≈ HK$6,384/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,267
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,368
−HK$104/mo
Today · 4.125%
HK$3,472
baseline
▲ 0.50% · 4.625%
HK$3,683
+HK$211/mo
Deposit HK$478K · loan HK$716K · min. income ≈ HK$6,944/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,634
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,732
−HK$99/mo
Today · 4.125%
HK$3,831
baseline
▲ 0.50% · 4.625%
HK$4,033
+HK$202/mo
Deposit HK$478K · loan HK$716K · min. income ≈ HK$7,662/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,811
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,930
−HK$120/mo
Today · 4.125%
HK$4,050
baseline
▲ 0.50% · 4.625%
HK$4,297
+HK$247/mo
Deposit HK$358K · loan HK$836K · min. income ≈ HK$8,100/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,240
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,354
−HK$115/mo
Today · 4.125%
HK$4,469
baseline
▲ 0.50% · 4.625%
HK$4,705
+HK$236/mo
Deposit HK$358K · loan HK$836K · min. income ≈ HK$8,938/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,900
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,053
−HK$155/mo
Today · 4.125%
HK$5,208
baseline
▲ 0.50% · 4.625%
HK$5,524
+HK$316/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,416/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$5,452
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$148/mo
Today · 4.125%
HK$5,746
baseline
▲ 0.50% · 4.625%
HK$6,049
+HK$303/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,492/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).