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$2,951
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,043
−HK$93/mo
Today · 4.125%
HK$3,136
baseline
▲ 0.50% · 4.625%
HK$3,327
+HK$191/mo
Deposit HK$647K · loan HK$647K · min. income ≈ HK$6,272/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,283
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,371
−HK$90/mo
Today · 4.125%
HK$3,461
baseline
▲ 0.50% · 4.625%
HK$3,643
+HK$182/mo
Deposit HK$647K · loan HK$647K · min. income ≈ HK$6,922/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,542
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,652
−HK$112/mo
Today · 4.125%
HK$3,764
baseline
▲ 0.50% · 4.625%
HK$3,993
+HK$229/mo
Deposit HK$518K · loan HK$777K · min. income ≈ HK$7,528/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,940
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,046
−HK$107/mo
Today · 4.125%
HK$4,153
baseline
▲ 0.50% · 4.625%
HK$4,372
+HK$219/mo
Deposit HK$518K · loan HK$777K · min. income ≈ HK$8,306/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,132
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,260
−HK$131/mo
Today · 4.125%
HK$4,391
baseline
▲ 0.50% · 4.625%
HK$4,658
+HK$267/mo
Deposit HK$388K · loan HK$906K · min. income ≈ HK$8,782/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$4,597
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,720
−HK$125/mo
Today · 4.125%
HK$4,845
baseline
▲ 0.50% · 4.625%
HK$5,100
+HK$255/mo
Deposit HK$388K · loan HK$906K · min. income ≈ HK$9,690/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$5,312
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,478
−HK$168/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,292/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$5,910
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$160/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$329/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,458/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).