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$3,012
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,105
−HK$96/mo
Today · 4.125%
HK$3,201
baseline
▲ 0.50% · 4.625%
HK$3,395
+HK$194/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$6,402/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,350
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,440
−HK$91/mo
Today · 4.125%
HK$3,531
baseline
▲ 0.50% · 4.625%
HK$3,718
+HK$187/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$7,062/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,614
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,726
−HK$115/mo
Today · 4.125%
HK$3,841
baseline
▲ 0.50% · 4.625%
HK$4,074
+HK$233/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$7,682/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,021
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,128
−HK$110/mo
Today · 4.125%
HK$4,238
baseline
▲ 0.50% · 4.625%
HK$4,461
+HK$223/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$8,476/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,216
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$133/mo
Today · 4.125%
HK$4,481
baseline
▲ 0.50% · 4.625%
HK$4,753
+HK$272/mo
Deposit HK$396K · loan HK$925K · min. income ≈ HK$8,962/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,691
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$128/mo
Today · 4.125%
HK$4,944
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$261/mo
Deposit HK$396K · loan HK$925K · min. income ≈ HK$9,888/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,421
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,590
−HK$171/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,112
+HK$351/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,522/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,031
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$164/mo
Today · 4.125%
HK$6,357
baseline
▲ 0.50% · 4.625%
HK$6,692
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,714/mo (50% DSR)
Upfront cash ≈ HK$132K (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).