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$2,712
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,796
−HK$86/mo
Today · 4.125%
HK$2,882
baseline
▲ 0.50% · 4.625%
HK$3,057
+HK$175/mo
Deposit HK$595K · loan HK$595K · min. income ≈ HK$5,764/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,017
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,098
−HK$82/mo
Today · 4.125%
HK$3,180
baseline
▲ 0.50% · 4.625%
HK$3,348
+HK$168/mo
Deposit HK$595K · loan HK$595K · min. income ≈ HK$6,360/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,254
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,356
−HK$103/mo
Today · 4.125%
HK$3,459
baseline
▲ 0.50% · 4.625%
HK$3,669
+HK$210/mo
Deposit HK$476K · loan HK$714K · min. income ≈ HK$6,918/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,621
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,718
−HK$98/mo
Today · 4.125%
HK$3,816
baseline
▲ 0.50% · 4.625%
HK$4,017
+HK$201/mo
Deposit HK$476K · loan HK$714K · min. income ≈ HK$7,632/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,797
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,915
−HK$120/mo
Today · 4.125%
HK$4,035
baseline
▲ 0.50% · 4.625%
HK$4,280
+HK$245/mo
Deposit HK$357K · loan HK$833K · min. income ≈ HK$8,070/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,224
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,337
−HK$115/mo
Today · 4.125%
HK$4,452
baseline
▲ 0.50% · 4.625%
HK$4,687
+HK$235/mo
Deposit HK$357K · loan HK$833K · min. income ≈ HK$8,904/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,882
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$154/mo
Today · 4.125%
HK$5,188
baseline
▲ 0.50% · 4.625%
HK$5,503
+HK$315/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,376/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,431
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,576
−HK$148/mo
Today · 4.125%
HK$5,724
baseline
▲ 0.50% · 4.625%
HK$6,026
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,448/mo (50% DSR)
Upfront cash ≈ HK$119K (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).