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$2,672
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,755
−HK$84/mo
Today · 4.125%
HK$2,839
baseline
▲ 0.50% · 4.625%
HK$3,012
+HK$173/mo
Deposit HK$586K · loan HK$586K · min. income ≈ HK$5,678/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,972
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,052
−HK$81/mo
Today · 4.125%
HK$3,133
baseline
▲ 0.50% · 4.625%
HK$3,298
+HK$165/mo
Deposit HK$586K · loan HK$586K · min. income ≈ HK$6,266/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,206
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,306
−HK$101/mo
Today · 4.125%
HK$3,407
baseline
▲ 0.50% · 4.625%
HK$3,615
+HK$208/mo
Deposit HK$469K · loan HK$703K · min. income ≈ HK$6,814/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,567
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,663
−HK$97/mo
Today · 4.125%
HK$3,760
baseline
▲ 0.50% · 4.625%
HK$3,958
+HK$198/mo
Deposit HK$469K · loan HK$703K · min. income ≈ HK$7,520/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,741
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,857
−HK$118/mo
Today · 4.125%
HK$3,975
baseline
▲ 0.50% · 4.625%
HK$4,217
+HK$242/mo
Deposit HK$352K · loan HK$820K · min. income ≈ HK$7,950/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,161
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,273
−HK$113/mo
Today · 4.125%
HK$4,386
baseline
▲ 0.50% · 4.625%
HK$4,617
+HK$231/mo
Deposit HK$352K · loan HK$820K · min. income ≈ HK$8,772/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,809
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,959
−HK$152/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$311/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,222/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$5,350
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$145/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$298/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,278/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).