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$2,698
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,782
−HK$85/mo
Today · 4.125%
HK$2,867
baseline
▲ 0.50% · 4.625%
HK$3,042
+HK$175/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$5,734/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,002
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,082
−HK$82/mo
Today · 4.125%
HK$3,164
baseline
▲ 0.50% · 4.625%
HK$3,330
+HK$166/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$6,328/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,238
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,338
−HK$103/mo
Today · 4.125%
HK$3,441
baseline
▲ 0.50% · 4.625%
HK$3,650
+HK$209/mo
Deposit HK$473K · loan HK$710K · min. income ≈ HK$6,882/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,602
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,698
−HK$98/mo
Today · 4.125%
HK$3,796
baseline
▲ 0.50% · 4.625%
HK$3,997
+HK$201/mo
Deposit HK$473K · loan HK$710K · min. income ≈ HK$7,592/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,777
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,895
−HK$119/mo
Today · 4.125%
HK$4,014
baseline
▲ 0.50% · 4.625%
HK$4,258
+HK$244/mo
Deposit HK$355K · loan HK$828K · min. income ≈ HK$8,028/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,202
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,315
−HK$114/mo
Today · 4.125%
HK$4,429
baseline
▲ 0.50% · 4.625%
HK$4,663
+HK$234/mo
Deposit HK$355K · loan HK$828K · min. income ≈ HK$8,858/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,856
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,008
−HK$153/mo
Today · 4.125%
HK$5,161
baseline
▲ 0.50% · 4.625%
HK$5,475
+HK$314/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,322/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,403
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,548
−HK$147/mo
Today · 4.125%
HK$5,695
baseline
▲ 0.50% · 4.625%
HK$5,995
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,390/mo (50% DSR)
Upfront cash ≈ HK$118K (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).