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$2,960
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,052
−HK$94/mo
Today · 4.125%
HK$3,146
baseline
▲ 0.50% · 4.625%
HK$3,337
+HK$191/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,292/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,293
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,381
−HK$90/mo
Today · 4.125%
HK$3,471
baseline
▲ 0.50% · 4.625%
HK$3,654
+HK$183/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,942/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,552
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,662
−HK$113/mo
Today · 4.125%
HK$3,775
baseline
▲ 0.50% · 4.625%
HK$4,004
+HK$229/mo
Deposit HK$519K · loan HK$779K · min. income ≈ HK$7,550/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,951
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,057
−HK$108/mo
Today · 4.125%
HK$4,165
baseline
▲ 0.50% · 4.625%
HK$4,384
+HK$219/mo
Deposit HK$519K · loan HK$779K · min. income ≈ HK$8,330/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,144
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,273
−HK$131/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,672
+HK$268/mo
Deposit HK$389K · loan HK$909K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,610
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$125/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$256/mo
Deposit HK$389K · loan HK$909K · min. income ≈ HK$9,718/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,328
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$168/mo
Today · 4.125%
HK$5,662
baseline
▲ 0.50% · 4.625%
HK$6,006
+HK$344/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,324/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,927
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,086
−HK$161/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$330/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,494/mo (50% DSR)
Upfront cash ≈ HK$130K (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).