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$2,932
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,023
−HK$92/mo
Today · 4.125%
HK$3,115
baseline
▲ 0.50% · 4.625%
HK$3,305
+HK$190/mo
Deposit HK$643K · loan HK$643K · min. income ≈ HK$6,230/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,261
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,349
−HK$88/mo
Today · 4.125%
HK$3,437
baseline
▲ 0.50% · 4.625%
HK$3,619
+HK$182/mo
Deposit HK$643K · loan HK$643K · min. income ≈ HK$6,874/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,518
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,627
−HK$111/mo
Today · 4.125%
HK$3,738
baseline
▲ 0.50% · 4.625%
HK$3,966
+HK$228/mo
Deposit HK$514K · loan HK$771K · min. income ≈ HK$7,476/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,914
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,019
−HK$106/mo
Today · 4.125%
HK$4,125
baseline
▲ 0.50% · 4.625%
HK$4,342
+HK$217/mo
Deposit HK$514K · loan HK$771K · min. income ≈ HK$8,250/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,104
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,232
−HK$130/mo
Today · 4.125%
HK$4,362
baseline
▲ 0.50% · 4.625%
HK$4,627
+HK$265/mo
Deposit HK$386K · loan HK$900K · min. income ≈ HK$8,724/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,566
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,688
−HK$124/mo
Today · 4.125%
HK$4,812
baseline
▲ 0.50% · 4.625%
HK$5,066
+HK$254/mo
Deposit HK$386K · loan HK$900K · min. income ≈ HK$9,624/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,277
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,441
−HK$167/mo
Today · 4.125%
HK$5,608
baseline
▲ 0.50% · 4.625%
HK$5,949
+HK$341/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,216/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,870
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$159/mo
Today · 4.125%
HK$6,187
baseline
▲ 0.50% · 4.625%
HK$6,514
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,374/mo (50% DSR)
Upfront cash ≈ HK$129K (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).