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$2,583
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,663
−HK$82/mo
Today · 4.125%
HK$2,745
baseline
▲ 0.50% · 4.625%
HK$2,912
+HK$167/mo
Deposit HK$566K · loan HK$566K · min. income ≈ HK$5,490/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,874
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,951
−HK$78/mo
Today · 4.125%
HK$3,029
baseline
▲ 0.50% · 4.625%
HK$3,189
+HK$160/mo
Deposit HK$566K · loan HK$566K · min. income ≈ HK$6,058/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,100
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,196
−HK$98/mo
Today · 4.125%
HK$3,294
baseline
▲ 0.50% · 4.625%
HK$3,495
+HK$201/mo
Deposit HK$453K · loan HK$680K · min. income ≈ HK$6,588/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,448
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,541
−HK$94/mo
Today · 4.125%
HK$3,635
baseline
▲ 0.50% · 4.625%
HK$3,826
+HK$191/mo
Deposit HK$453K · loan HK$680K · min. income ≈ HK$7,270/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,616
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,729
−HK$114/mo
Today · 4.125%
HK$3,843
baseline
▲ 0.50% · 4.625%
HK$4,077
+HK$234/mo
Deposit HK$340K · loan HK$793K · min. income ≈ HK$7,686/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,023
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,131
−HK$109/mo
Today · 4.125%
HK$4,240
baseline
▲ 0.50% · 4.625%
HK$4,464
+HK$224/mo
Deposit HK$340K · loan HK$793K · min. income ≈ HK$8,480/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,650
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$147/mo
Today · 4.125%
HK$4,941
baseline
▲ 0.50% · 4.625%
HK$5,242
+HK$301/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$9,882/mo (50% DSR)
Upfront cash ≈ HK$113K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,173
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,311
−HK$141/mo
Today · 4.125%
HK$5,452
baseline
▲ 0.50% · 4.625%
HK$5,739
+HK$287/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$10,904/mo (50% DSR)
Upfront cash ≈ HK$113K (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).