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$3,012
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,105
−HK$95/mo
Today · 4.125%
HK$3,200
baseline
▲ 0.50% · 4.625%
HK$3,395
+HK$195/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$6,400/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,350
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,440
−HK$91/mo
Today · 4.125%
HK$3,531
baseline
▲ 0.50% · 4.625%
HK$3,717
+HK$186/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$7,062/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,614
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,726
−HK$114/mo
Today · 4.125%
HK$3,840
baseline
▲ 0.50% · 4.625%
HK$4,074
+HK$234/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$7,680/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,020
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,128
−HK$110/mo
Today · 4.125%
HK$4,238
baseline
▲ 0.50% · 4.625%
HK$4,461
+HK$223/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$8,476/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,216
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,347
−HK$134/mo
Today · 4.125%
HK$4,481
baseline
▲ 0.50% · 4.625%
HK$4,753
+HK$272/mo
Deposit HK$396K · loan HK$924K · min. income ≈ HK$8,962/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,690
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$128/mo
Today · 4.125%
HK$4,944
baseline
▲ 0.50% · 4.625%
HK$5,204
+HK$260/mo
Deposit HK$396K · loan HK$924K · min. income ≈ HK$9,888/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,421
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,589
−HK$172/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,111
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,522/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$6,031
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$164/mo
Today · 4.125%
HK$6,356
baseline
▲ 0.50% · 4.625%
HK$6,691
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,712/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).