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$2,918
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,009
−HK$92/mo
Today · 4.125%
HK$3,101
baseline
▲ 0.50% · 4.625%
HK$3,289
+HK$188/mo
Deposit HK$640K · loan HK$640K · min. income ≈ HK$6,202/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,246
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,333
−HK$88/mo
Today · 4.125%
HK$3,421
baseline
▲ 0.50% · 4.625%
HK$3,602
+HK$181/mo
Deposit HK$640K · loan HK$640K · min. income ≈ HK$6,842/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,501
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,610
−HK$111/mo
Today · 4.125%
HK$3,721
baseline
▲ 0.50% · 4.625%
HK$3,947
+HK$226/mo
Deposit HK$512K · loan HK$768K · min. income ≈ HK$7,442/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,895
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,000
−HK$106/mo
Today · 4.125%
HK$4,106
baseline
▲ 0.50% · 4.625%
HK$4,322
+HK$216/mo
Deposit HK$512K · loan HK$768K · min. income ≈ HK$8,212/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,085
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,212
−HK$129/mo
Today · 4.125%
HK$4,341
baseline
▲ 0.50% · 4.625%
HK$4,605
+HK$264/mo
Deposit HK$384K · loan HK$896K · min. income ≈ HK$8,682/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,544
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,666
−HK$124/mo
Today · 4.125%
HK$4,790
baseline
▲ 0.50% · 4.625%
HK$5,042
+HK$252/mo
Deposit HK$384K · loan HK$896K · min. income ≈ HK$9,580/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,252
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$166/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$340/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,162/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$5,843
−HK$315/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$158/mo
Today · 4.125%
HK$6,158
baseline
▲ 0.50% · 4.625%
HK$6,483
+HK$325/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,316/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).