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$2,804
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,892
−HK$88/mo
Today · 4.125%
HK$2,980
baseline
▲ 0.50% · 4.625%
HK$3,162
+HK$182/mo
Deposit HK$615K · loan HK$615K · min. income ≈ HK$5,960/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,120
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,203
−HK$85/mo
Today · 4.125%
HK$3,288
baseline
▲ 0.50% · 4.625%
HK$3,462
+HK$174/mo
Deposit HK$615K · loan HK$615K · min. income ≈ HK$6,576/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,365
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,470
−HK$106/mo
Today · 4.125%
HK$3,576
baseline
▲ 0.50% · 4.625%
HK$3,794
+HK$218/mo
Deposit HK$492K · loan HK$738K · min. income ≈ HK$7,152/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,744
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,844
−HK$102/mo
Today · 4.125%
HK$3,946
baseline
▲ 0.50% · 4.625%
HK$4,154
+HK$208/mo
Deposit HK$492K · loan HK$738K · min. income ≈ HK$7,892/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,926
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,048
−HK$124/mo
Today · 4.125%
HK$4,172
baseline
▲ 0.50% · 4.625%
HK$4,426
+HK$254/mo
Deposit HK$369K · loan HK$861K · min. income ≈ HK$8,344/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,368
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,485
−HK$119/mo
Today · 4.125%
HK$4,604
baseline
▲ 0.50% · 4.625%
HK$4,846
+HK$242/mo
Deposit HK$369K · loan HK$861K · min. income ≈ HK$9,208/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,048
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,205
−HK$159/mo
Today · 4.125%
HK$5,364
baseline
▲ 0.50% · 4.625%
HK$5,691
+HK$327/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$10,728/mo (50% DSR)
Upfront cash ≈ HK$123K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,616
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,766
−HK$153/mo
Today · 4.125%
HK$5,919
baseline
▲ 0.50% · 4.625%
HK$6,231
+HK$312/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$11,838/mo (50% DSR)
Upfront cash ≈ HK$123K (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).