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$2,803
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,890
−HK$88/mo
Today · 4.125%
HK$2,978
baseline
▲ 0.50% · 4.625%
HK$3,160
+HK$182/mo
Deposit HK$615K · loan HK$615K · min. income ≈ HK$5,956/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,118
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,202
−HK$84/mo
Today · 4.125%
HK$3,286
baseline
▲ 0.50% · 4.625%
HK$3,460
+HK$174/mo
Deposit HK$615K · loan HK$615K · min. income ≈ HK$6,572/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,363
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,468
−HK$106/mo
Today · 4.125%
HK$3,574
baseline
▲ 0.50% · 4.625%
HK$3,792
+HK$218/mo
Deposit HK$492K · loan HK$737K · min. income ≈ HK$7,148/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,742
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,842
−HK$102/mo
Today · 4.125%
HK$3,944
baseline
▲ 0.50% · 4.625%
HK$4,152
+HK$208/mo
Deposit HK$492K · loan HK$737K · min. income ≈ HK$7,888/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,924
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,046
−HK$124/mo
Today · 4.125%
HK$4,170
baseline
▲ 0.50% · 4.625%
HK$4,424
+HK$254/mo
Deposit HK$369K · loan HK$860K · min. income ≈ HK$8,340/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,365
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$119/mo
Today · 4.125%
HK$4,601
baseline
▲ 0.50% · 4.625%
HK$4,844
+HK$243/mo
Deposit HK$369K · loan HK$860K · min. income ≈ HK$9,202/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,045
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,202
−HK$159/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$326/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$10,722/mo (50% DSR)
Upfront cash ≈ HK$123K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,612
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$153/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$311/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$11,832/mo (50% DSR)
Upfront cash ≈ HK$123K (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).