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$2,848
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,937
−HK$90/mo
Today · 4.125%
HK$3,027
baseline
▲ 0.50% · 4.625%
HK$3,211
+HK$184/mo
Deposit HK$625K · loan HK$625K · min. income ≈ HK$6,054/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,168
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,253
−HK$87/mo
Today · 4.125%
HK$3,340
baseline
▲ 0.50% · 4.625%
HK$3,516
+HK$176/mo
Deposit HK$625K · loan HK$625K · min. income ≈ HK$6,680/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,418
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,524
−HK$108/mo
Today · 4.125%
HK$3,632
baseline
▲ 0.50% · 4.625%
HK$3,853
+HK$221/mo
Deposit HK$500K · loan HK$749K · min. income ≈ HK$7,264/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,802
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,904
−HK$104/mo
Today · 4.125%
HK$4,008
baseline
▲ 0.50% · 4.625%
HK$4,219
+HK$211/mo
Deposit HK$500K · loan HK$749K · min. income ≈ HK$8,016/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,987
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,111
−HK$126/mo
Today · 4.125%
HK$4,237
baseline
▲ 0.50% · 4.625%
HK$4,495
+HK$258/mo
Deposit HK$375K · loan HK$874K · min. income ≈ HK$8,474/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,436
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,555
−HK$121/mo
Today · 4.125%
HK$4,676
baseline
▲ 0.50% · 4.625%
HK$4,922
+HK$246/mo
Deposit HK$375K · loan HK$874K · min. income ≈ HK$9,352/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,127
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,286
−HK$162/mo
Today · 4.125%
HK$5,448
baseline
▲ 0.50% · 4.625%
HK$5,780
+HK$332/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$10,896/mo (50% DSR)
Upfront cash ≈ HK$125K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,703
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$155/mo
Today · 4.125%
HK$6,011
baseline
▲ 0.50% · 4.625%
HK$6,328
+HK$317/mo
Deposit HK$125K · loan HK$1.12M · min. income ≈ HK$12,022/mo (50% DSR)
Upfront cash ≈ HK$125K (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).