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$2,832
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,920
−HK$90/mo
Today · 4.125%
HK$3,010
baseline
▲ 0.50% · 4.625%
HK$3,193
+HK$183/mo
Deposit HK$621K · loan HK$621K · min. income ≈ HK$6,020/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,151
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,235
−HK$86/mo
Today · 4.125%
HK$3,321
baseline
▲ 0.50% · 4.625%
HK$3,496
+HK$175/mo
Deposit HK$621K · loan HK$621K · min. income ≈ HK$6,642/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,398
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,504
−HK$108/mo
Today · 4.125%
HK$3,612
baseline
▲ 0.50% · 4.625%
HK$3,831
+HK$219/mo
Deposit HK$497K · loan HK$745K · min. income ≈ HK$7,224/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,781
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,882
−HK$103/mo
Today · 4.125%
HK$3,985
baseline
▲ 0.50% · 4.625%
HK$4,195
+HK$210/mo
Deposit HK$497K · loan HK$745K · min. income ≈ HK$7,970/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,965
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,088
−HK$126/mo
Today · 4.125%
HK$4,214
baseline
▲ 0.50% · 4.625%
HK$4,470
+HK$256/mo
Deposit HK$373K · loan HK$869K · min. income ≈ HK$8,428/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,411
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,529
−HK$120/mo
Today · 4.125%
HK$4,649
baseline
▲ 0.50% · 4.625%
HK$4,894
+HK$245/mo
Deposit HK$373K · loan HK$869K · min. income ≈ HK$9,298/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,098
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,256
−HK$161/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,747
+HK$330/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$10,834/mo (50% DSR)
Upfront cash ≈ HK$124K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,671
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,823
−HK$155/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,293
+HK$315/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$11,956/mo (50% DSR)
Upfront cash ≈ HK$124K (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).