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$2,613
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,694
−HK$82/mo
Today · 4.125%
HK$2,776
baseline
▲ 0.50% · 4.625%
HK$2,945
+HK$169/mo
Deposit HK$573K · loan HK$573K · min. income ≈ HK$5,552/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,907
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,984
−HK$80/mo
Today · 4.125%
HK$3,064
baseline
▲ 0.50% · 4.625%
HK$3,225
+HK$161/mo
Deposit HK$573K · loan HK$573K · min. income ≈ HK$6,128/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,135
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,233
−HK$99/mo
Today · 4.125%
HK$3,332
baseline
▲ 0.50% · 4.625%
HK$3,534
+HK$202/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$6,664/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,488
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,581
−HK$95/mo
Today · 4.125%
HK$3,676
baseline
▲ 0.50% · 4.625%
HK$3,870
+HK$194/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$7,352/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,658
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,771
−HK$116/mo
Today · 4.125%
HK$3,887
baseline
▲ 0.50% · 4.625%
HK$4,124
+HK$237/mo
Deposit HK$344K · loan HK$802K · min. income ≈ HK$7,774/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,069
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,178
−HK$111/mo
Today · 4.125%
HK$4,289
baseline
▲ 0.50% · 4.625%
HK$4,515
+HK$226/mo
Deposit HK$344K · loan HK$802K · min. income ≈ HK$8,578/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,703
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,849
−HK$149/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$304/mo
Deposit HK$115K · loan HK$1.03M · min. income ≈ HK$9,996/mo (50% DSR)
Upfront cash ≈ HK$115K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,232
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,372
−HK$142/mo
Today · 4.125%
HK$5,514
baseline
▲ 0.50% · 4.625%
HK$5,805
+HK$291/mo
Deposit HK$115K · loan HK$1.03M · min. income ≈ HK$11,028/mo (50% DSR)
Upfront cash ≈ HK$115K (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).