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$2,600
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,681
−HK$82/mo
Today · 4.125%
HK$2,763
baseline
▲ 0.50% · 4.625%
HK$2,931
+HK$168/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$5,526/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,893
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,970
−HK$79/mo
Today · 4.125%
HK$3,049
baseline
▲ 0.50% · 4.625%
HK$3,210
+HK$161/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$6,098/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,120
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,217
−HK$99/mo
Today · 4.125%
HK$3,316
baseline
▲ 0.50% · 4.625%
HK$3,518
+HK$202/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$6,632/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,471
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,564
−HK$95/mo
Today · 4.125%
HK$3,659
baseline
▲ 0.50% · 4.625%
HK$3,851
+HK$192/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$7,318/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,640
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,753
−HK$115/mo
Today · 4.125%
HK$3,868
baseline
▲ 0.50% · 4.625%
HK$4,104
+HK$236/mo
Deposit HK$342K · loan HK$798K · min. income ≈ HK$7,736/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,050
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,158
−HK$110/mo
Today · 4.125%
HK$4,268
baseline
▲ 0.50% · 4.625%
HK$4,493
+HK$225/mo
Deposit HK$342K · loan HK$798K · min. income ≈ HK$8,536/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,680
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$148/mo
Today · 4.125%
HK$4,974
baseline
▲ 0.50% · 4.625%
HK$5,276
+HK$302/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,948/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,207
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,346
−HK$142/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,777
+HK$289/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,976/mo (50% DSR)
Upfront cash ≈ HK$114K (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).