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$2,600
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,681
−HK$82/mo
Today · 4.125%
HK$2,763
baseline
▲ 0.50% · 4.625%
HK$2,931
+HK$168/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$5,526/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$2,892
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,970
−HK$79/mo
Today · 4.125%
HK$3,049
baseline
▲ 0.50% · 4.625%
HK$3,209
+HK$160/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$6,098/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$3,120
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,217
−HK$98/mo
Today · 4.125%
HK$3,315
baseline
▲ 0.50% · 4.625%
HK$3,517
+HK$202/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$6,630/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$3,471
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,564
−HK$94/mo
Today · 4.125%
HK$3,658
baseline
▲ 0.50% · 4.625%
HK$3,851
+HK$193/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$7,316/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$3,640
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,753
−HK$115/mo
Today · 4.125%
HK$3,868
baseline
▲ 0.50% · 4.625%
HK$4,103
+HK$235/mo
Deposit HK$342K · loan HK$798K · min. income ≈ HK$7,736/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$4,049
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,158
−HK$110/mo
Today · 4.125%
HK$4,268
baseline
▲ 0.50% · 4.625%
HK$4,493
+HK$225/mo
Deposit HK$342K · loan HK$798K · min. income ≈ HK$8,536/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$4,680
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,825
−HK$148/mo
Today · 4.125%
HK$4,973
baseline
▲ 0.50% · 4.625%
HK$5,276
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,946/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$5,206
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,346
−HK$141/mo
Today · 4.125%
HK$5,487
baseline
▲ 0.50% · 4.625%
HK$5,777
+HK$290/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,974/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).