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$2,643
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,725
−HK$84/mo
Today · 4.125%
HK$2,809
baseline
▲ 0.50% · 4.625%
HK$2,980
+HK$171/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$5,618/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,940
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,019
−HK$80/mo
Today · 4.125%
HK$3,099
baseline
▲ 0.50% · 4.625%
HK$3,263
+HK$164/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$6,198/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,172
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,270
−HK$101/mo
Today · 4.125%
HK$3,371
baseline
▲ 0.50% · 4.625%
HK$3,576
+HK$205/mo
Deposit HK$464K · loan HK$695K · min. income ≈ HK$6,742/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,528
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,623
−HK$96/mo
Today · 4.125%
HK$3,719
baseline
▲ 0.50% · 4.625%
HK$3,915
+HK$196/mo
Deposit HK$464K · loan HK$695K · min. income ≈ HK$7,438/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,700
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,815
−HK$117/mo
Today · 4.125%
HK$3,932
baseline
▲ 0.50% · 4.625%
HK$4,172
+HK$240/mo
Deposit HK$348K · loan HK$811K · min. income ≈ HK$7,864/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,117
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,227
−HK$112/mo
Today · 4.125%
HK$4,339
baseline
▲ 0.50% · 4.625%
HK$4,568
+HK$229/mo
Deposit HK$348K · loan HK$811K · min. income ≈ HK$8,678/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,757
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,905
−HK$151/mo
Today · 4.125%
HK$5,056
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$307/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$10,112/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,293
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,435
−HK$144/mo
Today · 4.125%
HK$5,579
baseline
▲ 0.50% · 4.625%
HK$5,873
+HK$294/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$11,158/mo (50% DSR)
Upfront cash ≈ HK$116K (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).