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$2,665
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,747
−HK$85/mo
Today · 4.125%
HK$2,832
baseline
▲ 0.50% · 4.625%
HK$3,004
+HK$172/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$5,664/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,964
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,044
−HK$80/mo
Today · 4.125%
HK$3,124
baseline
▲ 0.50% · 4.625%
HK$3,289
+HK$165/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$6,248/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,197
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,297
−HK$101/mo
Today · 4.125%
HK$3,398
baseline
▲ 0.50% · 4.625%
HK$3,605
+HK$207/mo
Deposit HK$467K · loan HK$701K · min. income ≈ HK$6,796/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,557
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,653
−HK$96/mo
Today · 4.125%
HK$3,749
baseline
▲ 0.50% · 4.625%
HK$3,947
+HK$198/mo
Deposit HK$467K · loan HK$701K · min. income ≈ HK$7,498/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,730
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,846
−HK$118/mo
Today · 4.125%
HK$3,964
baseline
▲ 0.50% · 4.625%
HK$4,206
+HK$242/mo
Deposit HK$351K · loan HK$818K · min. income ≈ HK$7,928/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,150
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,261
−HK$113/mo
Today · 4.125%
HK$4,374
baseline
▲ 0.50% · 4.625%
HK$4,605
+HK$231/mo
Deposit HK$351K · loan HK$818K · min. income ≈ HK$8,748/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,796
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,945
−HK$152/mo
Today · 4.125%
HK$5,097
baseline
▲ 0.50% · 4.625%
HK$5,407
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,194/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$5,336
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$145/mo
Today · 4.125%
HK$5,624
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$297/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,248/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).