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$2,729
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,814
−HK$86/mo
Today · 4.125%
HK$2,900
baseline
▲ 0.50% · 4.625%
HK$3,077
+HK$177/mo
Deposit HK$598K · loan HK$598K · min. income ≈ HK$5,800/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,036
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,118
−HK$82/mo
Today · 4.125%
HK$3,200
baseline
▲ 0.50% · 4.625%
HK$3,369
+HK$169/mo
Deposit HK$598K · loan HK$598K · min. income ≈ HK$6,400/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,275
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,377
−HK$104/mo
Today · 4.125%
HK$3,481
baseline
▲ 0.50% · 4.625%
HK$3,692
+HK$211/mo
Deposit HK$479K · loan HK$718K · min. income ≈ HK$6,962/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,644
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,741
−HK$99/mo
Today · 4.125%
HK$3,840
baseline
▲ 0.50% · 4.625%
HK$4,043
+HK$203/mo
Deposit HK$479K · loan HK$718K · min. income ≈ HK$7,680/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,821
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,940
−HK$121/mo
Today · 4.125%
HK$4,061
baseline
▲ 0.50% · 4.625%
HK$4,308
+HK$247/mo
Deposit HK$359K · loan HK$838K · min. income ≈ HK$8,122/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,251
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,365
−HK$116/mo
Today · 4.125%
HK$4,481
baseline
▲ 0.50% · 4.625%
HK$4,717
+HK$236/mo
Deposit HK$359K · loan HK$838K · min. income ≈ HK$8,962/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,913
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,066
−HK$155/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,539
+HK$318/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,442/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,465
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$149/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$303/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,522/mo (50% DSR)
Upfront cash ≈ HK$120K (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).