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$2,998
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,092
−HK$94/mo
Today · 4.125%
HK$3,186
baseline
▲ 0.50% · 4.625%
HK$3,380
+HK$194/mo
Deposit HK$657K · loan HK$657K · min. income ≈ HK$6,372/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,336
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,425
−HK$91/mo
Today · 4.125%
HK$3,516
baseline
▲ 0.50% · 4.625%
HK$3,701
+HK$185/mo
Deposit HK$657K · loan HK$657K · min. income ≈ HK$7,032/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,598
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,710
−HK$114/mo
Today · 4.125%
HK$3,824
baseline
▲ 0.50% · 4.625%
HK$4,056
+HK$232/mo
Deposit HK$526K · loan HK$789K · min. income ≈ HK$7,648/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,003
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,110
−HK$109/mo
Today · 4.125%
HK$4,219
baseline
▲ 0.50% · 4.625%
HK$4,441
+HK$222/mo
Deposit HK$526K · loan HK$789K · min. income ≈ HK$8,438/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,198
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,328
−HK$133/mo
Today · 4.125%
HK$4,461
baseline
▲ 0.50% · 4.625%
HK$4,732
+HK$271/mo
Deposit HK$394K · loan HK$920K · min. income ≈ HK$8,922/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,670
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,795
−HK$127/mo
Today · 4.125%
HK$4,922
baseline
▲ 0.50% · 4.625%
HK$5,182
+HK$260/mo
Deposit HK$394K · loan HK$920K · min. income ≈ HK$9,844/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,397
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,565
−HK$170/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,084
+HK$349/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,470/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,004
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$163/mo
Today · 4.125%
HK$6,328
baseline
▲ 0.50% · 4.625%
HK$6,662
+HK$334/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,656/mo (50% DSR)
Upfront cash ≈ HK$132K (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).