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$2,662
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,745
−HK$84/mo
Today · 4.125%
HK$2,829
baseline
▲ 0.50% · 4.625%
HK$3,001
+HK$172/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$5,658/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$2,962
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,041
−HK$81/mo
Today · 4.125%
HK$3,122
baseline
▲ 0.50% · 4.625%
HK$3,286
+HK$164/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$6,244/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$3,195
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,294
−HK$101/mo
Today · 4.125%
HK$3,395
baseline
▲ 0.50% · 4.625%
HK$3,602
+HK$207/mo
Deposit HK$467K · loan HK$701K · min. income ≈ HK$6,790/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,554
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,649
−HK$97/mo
Today · 4.125%
HK$3,746
baseline
▲ 0.50% · 4.625%
HK$3,944
+HK$198/mo
Deposit HK$467K · loan HK$701K · min. income ≈ HK$7,492/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,727
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,843
−HK$118/mo
Today · 4.125%
HK$3,961
baseline
▲ 0.50% · 4.625%
HK$4,202
+HK$241/mo
Deposit HK$350K · loan HK$817K · min. income ≈ HK$7,922/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,147
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,258
−HK$113/mo
Today · 4.125%
HK$4,371
baseline
▲ 0.50% · 4.625%
HK$4,601
+HK$230/mo
Deposit HK$350K · loan HK$817K · min. income ≈ HK$8,742/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,792
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,941
−HK$152/mo
Today · 4.125%
HK$5,093
baseline
▲ 0.50% · 4.625%
HK$5,403
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,186/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$5,331
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,474
−HK$145/mo
Today · 4.125%
HK$5,619
baseline
▲ 0.50% · 4.625%
HK$5,915
+HK$296/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,238/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).