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$2,714
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,799
−HK$85/mo
Today · 4.125%
HK$2,884
baseline
▲ 0.50% · 4.625%
HK$3,060
+HK$176/mo
Deposit HK$595K · loan HK$595K · min. income ≈ HK$5,768/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,020
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,101
−HK$82/mo
Today · 4.125%
HK$3,183
baseline
▲ 0.50% · 4.625%
HK$3,351
+HK$168/mo
Deposit HK$595K · loan HK$595K · min. income ≈ HK$6,366/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,257
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,358
−HK$103/mo
Today · 4.125%
HK$3,461
baseline
▲ 0.50% · 4.625%
HK$3,672
+HK$211/mo
Deposit HK$476K · loan HK$714K · min. income ≈ HK$6,922/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,624
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,721
−HK$98/mo
Today · 4.125%
HK$3,819
baseline
▲ 0.50% · 4.625%
HK$4,021
+HK$202/mo
Deposit HK$476K · loan HK$714K · min. income ≈ HK$7,638/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,800
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,918
−HK$120/mo
Today · 4.125%
HK$4,038
baseline
▲ 0.50% · 4.625%
HK$4,284
+HK$246/mo
Deposit HK$357K · loan HK$833K · min. income ≈ HK$8,076/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,227
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,341
−HK$115/mo
Today · 4.125%
HK$4,456
baseline
▲ 0.50% · 4.625%
HK$4,691
+HK$235/mo
Deposit HK$357K · loan HK$833K · min. income ≈ HK$8,912/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,886
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,038
−HK$154/mo
Today · 4.125%
HK$5,192
baseline
▲ 0.50% · 4.625%
HK$5,508
+HK$316/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,384/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,435
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,581
−HK$148/mo
Today · 4.125%
HK$5,729
baseline
▲ 0.50% · 4.625%
HK$6,031
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,458/mo (50% DSR)
Upfront cash ≈ HK$119K (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).