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$2,861
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,950
−HK$91/mo
Today · 4.125%
HK$3,041
baseline
▲ 0.50% · 4.625%
HK$3,226
+HK$185/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,082/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,183
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,268
−HK$87/mo
Today · 4.125%
HK$3,355
baseline
▲ 0.50% · 4.625%
HK$3,532
+HK$177/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,710/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,434
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,540
−HK$109/mo
Today · 4.125%
HK$3,649
baseline
▲ 0.50% · 4.625%
HK$3,871
+HK$222/mo
Deposit HK$502K · loan HK$753K · min. income ≈ HK$7,298/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,820
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,922
−HK$104/mo
Today · 4.125%
HK$4,026
baseline
▲ 0.50% · 4.625%
HK$4,238
+HK$212/mo
Deposit HK$502K · loan HK$753K · min. income ≈ HK$8,052/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,006
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,130
−HK$127/mo
Today · 4.125%
HK$4,257
baseline
▲ 0.50% · 4.625%
HK$4,516
+HK$259/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$8,514/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,456
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,576
−HK$121/mo
Today · 4.125%
HK$4,697
baseline
▲ 0.50% · 4.625%
HK$4,945
+HK$248/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$9,394/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,150
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$163/mo
Today · 4.125%
HK$5,473
baseline
▲ 0.50% · 4.625%
HK$5,806
+HK$333/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$10,946/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,730
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$156/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,358
+HK$319/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$12,078/mo (50% DSR)
Upfront cash ≈ HK$126K (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).