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$2,672
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,755
−HK$85/mo
Today · 4.125%
HK$2,840
baseline
▲ 0.50% · 4.625%
HK$3,013
+HK$173/mo
Deposit HK$586K · loan HK$586K · min. income ≈ HK$5,680/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,973
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,053
−HK$80/mo
Today · 4.125%
HK$3,133
baseline
▲ 0.50% · 4.625%
HK$3,299
+HK$166/mo
Deposit HK$586K · loan HK$586K · min. income ≈ HK$6,266/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,207
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,306
−HK$102/mo
Today · 4.125%
HK$3,408
baseline
▲ 0.50% · 4.625%
HK$3,615
+HK$207/mo
Deposit HK$469K · loan HK$703K · min. income ≈ HK$6,816/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,567
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,663
−HK$97/mo
Today · 4.125%
HK$3,760
baseline
▲ 0.50% · 4.625%
HK$3,958
+HK$198/mo
Deposit HK$469K · loan HK$703K · min. income ≈ HK$7,520/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,741
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,858
−HK$118/mo
Today · 4.125%
HK$3,976
baseline
▲ 0.50% · 4.625%
HK$4,218
+HK$242/mo
Deposit HK$352K · loan HK$820K · min. income ≈ HK$7,952/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,162
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,274
−HK$113/mo
Today · 4.125%
HK$4,387
baseline
▲ 0.50% · 4.625%
HK$4,618
+HK$231/mo
Deposit HK$352K · loan HK$820K · min. income ≈ HK$8,774/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,810
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,960
−HK$152/mo
Today · 4.125%
HK$5,112
baseline
▲ 0.50% · 4.625%
HK$5,423
+HK$311/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,224/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,351
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,495
−HK$145/mo
Today · 4.125%
HK$5,640
baseline
▲ 0.50% · 4.625%
HK$5,938
+HK$298/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,280/mo (50% DSR)
Upfront cash ≈ HK$117K (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).