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$2,601
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,682
−HK$82/mo
Today · 4.125%
HK$2,764
baseline
▲ 0.50% · 4.625%
HK$2,933
+HK$169/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$5,528/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$2,894
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,971
−HK$79/mo
Today · 4.125%
HK$3,050
baseline
▲ 0.50% · 4.625%
HK$3,211
+HK$161/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$6,100/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$3,121
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,219
−HK$98/mo
Today · 4.125%
HK$3,317
baseline
▲ 0.50% · 4.625%
HK$3,519
+HK$202/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$6,634/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$3,473
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,566
−HK$94/mo
Today · 4.125%
HK$3,660
baseline
▲ 0.50% · 4.625%
HK$3,853
+HK$193/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$7,320/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$3,642
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,755
−HK$115/mo
Today · 4.125%
HK$3,870
baseline
▲ 0.50% · 4.625%
HK$4,106
+HK$236/mo
Deposit HK$342K · loan HK$799K · min. income ≈ HK$7,740/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$4,051
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,160
−HK$110/mo
Today · 4.125%
HK$4,270
baseline
▲ 0.50% · 4.625%
HK$4,495
+HK$225/mo
Deposit HK$342K · loan HK$799K · min. income ≈ HK$8,540/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$4,682
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,828
−HK$148/mo
Today · 4.125%
HK$4,976
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,952/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$5,209
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$141/mo
Today · 4.125%
HK$5,490
baseline
▲ 0.50% · 4.625%
HK$5,780
+HK$290/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,980/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).