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$2,698
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,782
−HK$85/mo
Today · 4.125%
HK$2,867
baseline
▲ 0.50% · 4.625%
HK$3,041
+HK$174/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$5,734/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,001
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,082
−HK$81/mo
Today · 4.125%
HK$3,163
baseline
▲ 0.50% · 4.625%
HK$3,330
+HK$167/mo
Deposit HK$592K · loan HK$592K · min. income ≈ HK$6,326/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,237
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,338
−HK$102/mo
Today · 4.125%
HK$3,440
baseline
▲ 0.50% · 4.625%
HK$3,649
+HK$209/mo
Deposit HK$473K · loan HK$710K · min. income ≈ HK$6,880/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,601
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,698
−HK$98/mo
Today · 4.125%
HK$3,796
baseline
▲ 0.50% · 4.625%
HK$3,996
+HK$200/mo
Deposit HK$473K · loan HK$710K · min. income ≈ HK$7,592/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,777
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,894
−HK$119/mo
Today · 4.125%
HK$4,013
baseline
▲ 0.50% · 4.625%
HK$4,258
+HK$245/mo
Deposit HK$355K · loan HK$828K · min. income ≈ HK$8,026/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,201
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,314
−HK$114/mo
Today · 4.125%
HK$4,428
baseline
▲ 0.50% · 4.625%
HK$4,662
+HK$234/mo
Deposit HK$355K · loan HK$828K · min. income ≈ HK$8,856/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,856
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$153/mo
Today · 4.125%
HK$5,160
baseline
▲ 0.50% · 4.625%
HK$5,474
+HK$314/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,320/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,402
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$147/mo
Today · 4.125%
HK$5,694
baseline
▲ 0.50% · 4.625%
HK$5,994
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,388/mo (50% DSR)
Upfront cash ≈ HK$118K (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).