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$2,580
−HK$161/mo
▼ 0.25% · 3.875%
HK$2,660
−HK$81/mo
Today · 4.125%
HK$2,741
baseline
▲ 0.50% · 4.625%
HK$2,908
+HK$167/mo
Deposit HK$566K · loan HK$566K · min. income ≈ HK$5,482/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$2,870
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,947
−HK$78/mo
Today · 4.125%
HK$3,025
baseline
▲ 0.50% · 4.625%
HK$3,184
+HK$159/mo
Deposit HK$566K · loan HK$566K · min. income ≈ HK$6,050/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$3,095
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,192
−HK$98/mo
Today · 4.125%
HK$3,290
baseline
▲ 0.50% · 4.625%
HK$3,490
+HK$200/mo
Deposit HK$453K · loan HK$679K · min. income ≈ HK$6,580/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$3,444
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,536
−HK$94/mo
Today · 4.125%
HK$3,630
baseline
▲ 0.50% · 4.625%
HK$3,821
+HK$191/mo
Deposit HK$453K · loan HK$679K · min. income ≈ HK$7,260/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$3,611
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,724
−HK$114/mo
Today · 4.125%
HK$3,838
baseline
▲ 0.50% · 4.625%
HK$4,071
+HK$233/mo
Deposit HK$339K · loan HK$792K · min. income ≈ HK$7,676/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,018
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,125
−HK$110/mo
Today · 4.125%
HK$4,235
baseline
▲ 0.50% · 4.625%
HK$4,458
+HK$223/mo
Deposit HK$339K · loan HK$792K · min. income ≈ HK$8,470/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,643
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,788
−HK$146/mo
Today · 4.125%
HK$4,934
baseline
▲ 0.50% · 4.625%
HK$5,235
+HK$301/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$9,868/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$5,166
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,304
−HK$141/mo
Today · 4.125%
HK$5,445
baseline
▲ 0.50% · 4.625%
HK$5,732
+HK$287/mo
Deposit HK$113K · loan HK$1.02M · min. income ≈ HK$10,890/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).