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$2,906
−HK$183/mo
▼ 0.25% · 3.875%
HK$2,997
−HK$92/mo
Today · 4.125%
HK$3,089
baseline
▲ 0.50% · 4.625%
HK$3,277
+HK$188/mo
Deposit HK$637K · loan HK$637K · min. income ≈ HK$6,178/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,233
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,320
−HK$88/mo
Today · 4.125%
HK$3,408
baseline
▲ 0.50% · 4.625%
HK$3,588
+HK$180/mo
Deposit HK$637K · loan HK$637K · min. income ≈ HK$6,816/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,488
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,596
−HK$110/mo
Today · 4.125%
HK$3,706
baseline
▲ 0.50% · 4.625%
HK$3,932
+HK$226/mo
Deposit HK$510K · loan HK$765K · min. income ≈ HK$7,412/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,880
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,984
−HK$106/mo
Today · 4.125%
HK$4,090
baseline
▲ 0.50% · 4.625%
HK$4,305
+HK$215/mo
Deposit HK$510K · loan HK$765K · min. income ≈ HK$8,180/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,069
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,196
−HK$128/mo
Today · 4.125%
HK$4,324
baseline
▲ 0.50% · 4.625%
HK$4,587
+HK$263/mo
Deposit HK$382K · loan HK$892K · min. income ≈ HK$8,648/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,527
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,648
−HK$123/mo
Today · 4.125%
HK$4,771
baseline
▲ 0.50% · 4.625%
HK$5,023
+HK$252/mo
Deposit HK$382K · loan HK$892K · min. income ≈ HK$9,542/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,232
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,394
−HK$166/mo
Today · 4.125%
HK$5,560
baseline
▲ 0.50% · 4.625%
HK$5,898
+HK$338/mo
Deposit HK$127K · loan HK$1.15M · min. income ≈ HK$11,120/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,820
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$159/mo
Today · 4.125%
HK$6,135
baseline
▲ 0.50% · 4.625%
HK$6,458
+HK$323/mo
Deposit HK$127K · loan HK$1.15M · min. income ≈ HK$12,270/mo (50% DSR)
Upfront cash ≈ HK$128K (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).