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$2,947
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,038
−HK$93/mo
Today · 4.125%
HK$3,131
baseline
▲ 0.50% · 4.625%
HK$3,322
+HK$191/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,262/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,278
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,366
−HK$89/mo
Today · 4.125%
HK$3,455
baseline
▲ 0.50% · 4.625%
HK$3,637
+HK$182/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,910/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,536
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,646
−HK$112/mo
Today · 4.125%
HK$3,758
baseline
▲ 0.50% · 4.625%
HK$3,986
+HK$228/mo
Deposit HK$517K · loan HK$775K · min. income ≈ HK$7,516/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,934
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,039
−HK$107/mo
Today · 4.125%
HK$4,146
baseline
▲ 0.50% · 4.625%
HK$4,365
+HK$219/mo
Deposit HK$517K · loan HK$775K · min. income ≈ HK$8,292/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,125
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,253
−HK$131/mo
Today · 4.125%
HK$4,384
baseline
▲ 0.50% · 4.625%
HK$4,651
+HK$267/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$8,768/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,589
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$125/mo
Today · 4.125%
HK$4,837
baseline
▲ 0.50% · 4.625%
HK$5,092
+HK$255/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$9,674/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,304
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,469
−HK$167/mo
Today · 4.125%
HK$5,636
baseline
▲ 0.50% · 4.625%
HK$5,979
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,272/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,900
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,059
−HK$160/mo
Today · 4.125%
HK$6,219
baseline
▲ 0.50% · 4.625%
HK$6,547
+HK$328/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,438/mo (50% DSR)
Upfront cash ≈ HK$129K (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).