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$2,826
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,914
−HK$90/mo
Today · 4.125%
HK$3,004
baseline
▲ 0.50% · 4.625%
HK$3,186
+HK$182/mo
Deposit HK$620K · loan HK$620K · min. income ≈ HK$6,008/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,144
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,229
−HK$85/mo
Today · 4.125%
HK$3,314
baseline
▲ 0.50% · 4.625%
HK$3,489
+HK$175/mo
Deposit HK$620K · loan HK$620K · min. income ≈ HK$6,628/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,392
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,497
−HK$107/mo
Today · 4.125%
HK$3,604
baseline
▲ 0.50% · 4.625%
HK$3,824
+HK$220/mo
Deposit HK$496K · loan HK$744K · min. income ≈ HK$7,208/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,773
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,875
−HK$102/mo
Today · 4.125%
HK$3,977
baseline
▲ 0.50% · 4.625%
HK$4,187
+HK$210/mo
Deposit HK$496K · loan HK$744K · min. income ≈ HK$7,954/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,957
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,080
−HK$125/mo
Today · 4.125%
HK$4,205
baseline
▲ 0.50% · 4.625%
HK$4,461
+HK$256/mo
Deposit HK$372K · loan HK$868K · min. income ≈ HK$8,410/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,402
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,520
−HK$120/mo
Today · 4.125%
HK$4,640
baseline
▲ 0.50% · 4.625%
HK$4,885
+HK$245/mo
Deposit HK$372K · loan HK$868K · min. income ≈ HK$9,280/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,088
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,246
−HK$161/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,736
+HK$329/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$10,814/mo (50% DSR)
Upfront cash ≈ HK$124K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,660
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,812
−HK$154/mo
Today · 4.125%
HK$5,966
baseline
▲ 0.50% · 4.625%
HK$6,280
+HK$314/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$11,932/mo (50% DSR)
Upfront cash ≈ HK$124K (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).