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$2,666
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,749
−HK$84/mo
Today · 4.125%
HK$2,833
baseline
▲ 0.50% · 4.625%
HK$3,005
+HK$172/mo
Deposit HK$585K · loan HK$585K · min. income ≈ HK$5,666/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,966
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,045
−HK$81/mo
Today · 4.125%
HK$3,126
baseline
▲ 0.50% · 4.625%
HK$3,291
+HK$165/mo
Deposit HK$585K · loan HK$585K · min. income ≈ HK$6,252/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,199
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,299
−HK$101/mo
Today · 4.125%
HK$3,400
baseline
▲ 0.50% · 4.625%
HK$3,607
+HK$207/mo
Deposit HK$468K · loan HK$701K · min. income ≈ HK$6,800/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,559
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,654
−HK$97/mo
Today · 4.125%
HK$3,751
baseline
▲ 0.50% · 4.625%
HK$3,949
+HK$198/mo
Deposit HK$468K · loan HK$701K · min. income ≈ HK$7,502/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,732
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,848
−HK$118/mo
Today · 4.125%
HK$3,966
baseline
▲ 0.50% · 4.625%
HK$4,208
+HK$242/mo
Deposit HK$351K · loan HK$818K · min. income ≈ HK$7,932/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,152
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,263
−HK$113/mo
Today · 4.125%
HK$4,376
baseline
▲ 0.50% · 4.625%
HK$4,607
+HK$231/mo
Deposit HK$351K · loan HK$818K · min. income ≈ HK$8,752/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,799
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,948
−HK$151/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$311/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,198/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,338
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,482
−HK$145/mo
Today · 4.125%
HK$5,627
baseline
▲ 0.50% · 4.625%
HK$5,923
+HK$296/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,254/mo (50% DSR)
Upfront cash ≈ HK$117K (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).