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$2,968
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,060
−HK$94/mo
Today · 4.125%
HK$3,154
baseline
▲ 0.50% · 4.625%
HK$3,346
+HK$192/mo
Deposit HK$651K · loan HK$651K · min. income ≈ HK$6,308/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,301
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,390
−HK$90/mo
Today · 4.125%
HK$3,480
baseline
▲ 0.50% · 4.625%
HK$3,663
+HK$183/mo
Deposit HK$651K · loan HK$651K · min. income ≈ HK$6,960/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,561
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$112/mo
Today · 4.125%
HK$3,784
baseline
▲ 0.50% · 4.625%
HK$4,015
+HK$231/mo
Deposit HK$521K · loan HK$781K · min. income ≈ HK$7,568/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,962
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,068
−HK$108/mo
Today · 4.125%
HK$4,176
baseline
▲ 0.50% · 4.625%
HK$4,396
+HK$220/mo
Deposit HK$521K · loan HK$781K · min. income ≈ HK$8,352/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,155
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,284
−HK$131/mo
Today · 4.125%
HK$4,415
baseline
▲ 0.50% · 4.625%
HK$4,684
+HK$269/mo
Deposit HK$390K · loan HK$911K · min. income ≈ HK$8,830/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,622
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,746
−HK$126/mo
Today · 4.125%
HK$4,872
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$257/mo
Deposit HK$390K · loan HK$911K · min. income ≈ HK$9,744/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,342
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$169/mo
Today · 4.125%
HK$5,677
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$345/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,354/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,943
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$162/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,594
+HK$330/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,528/mo (50% DSR)
Upfront cash ≈ HK$130K (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).