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$2,909
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,999
−HK$92/mo
Today · 4.125%
HK$3,091
baseline
▲ 0.50% · 4.625%
HK$3,279
+HK$188/mo
Deposit HK$638K · loan HK$638K · min. income ≈ HK$6,182/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,236
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,323
−HK$88/mo
Today · 4.125%
HK$3,411
baseline
▲ 0.50% · 4.625%
HK$3,590
+HK$179/mo
Deposit HK$638K · loan HK$638K · min. income ≈ HK$6,822/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,490
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,599
−HK$110/mo
Today · 4.125%
HK$3,709
baseline
▲ 0.50% · 4.625%
HK$3,935
+HK$226/mo
Deposit HK$510K · loan HK$765K · min. income ≈ HK$7,418/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,883
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,987
−HK$106/mo
Today · 4.125%
HK$4,093
baseline
▲ 0.50% · 4.625%
HK$4,309
+HK$216/mo
Deposit HK$510K · loan HK$765K · min. income ≈ HK$8,186/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,072
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,199
−HK$129/mo
Today · 4.125%
HK$4,328
baseline
▲ 0.50% · 4.625%
HK$4,591
+HK$263/mo
Deposit HK$383K · loan HK$893K · min. income ≈ HK$8,656/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,530
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,652
−HK$123/mo
Today · 4.125%
HK$4,775
baseline
▲ 0.50% · 4.625%
HK$5,027
+HK$252/mo
Deposit HK$383K · loan HK$893K · min. income ≈ HK$9,550/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,236
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$166/mo
Today · 4.125%
HK$5,564
baseline
▲ 0.50% · 4.625%
HK$5,903
+HK$339/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,128/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,825
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,981
−HK$158/mo
Today · 4.125%
HK$6,139
baseline
▲ 0.50% · 4.625%
HK$6,463
+HK$324/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,278/mo (50% DSR)
Upfront cash ≈ HK$128K (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).