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$2,957
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,049
−HK$93/mo
Today · 4.125%
HK$3,142
baseline
▲ 0.50% · 4.625%
HK$3,333
+HK$191/mo
Deposit HK$648K · loan HK$648K · min. income ≈ HK$6,284/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,289
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,377
−HK$90/mo
Today · 4.125%
HK$3,467
baseline
▲ 0.50% · 4.625%
HK$3,650
+HK$183/mo
Deposit HK$648K · loan HK$648K · min. income ≈ HK$6,934/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,548
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,658
−HK$112/mo
Today · 4.125%
HK$3,770
baseline
▲ 0.50% · 4.625%
HK$4,000
+HK$230/mo
Deposit HK$519K · loan HK$778K · min. income ≈ HK$7,540/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,947
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,053
−HK$107/mo
Today · 4.125%
HK$4,160
baseline
▲ 0.50% · 4.625%
HK$4,380
+HK$220/mo
Deposit HK$519K · loan HK$778K · min. income ≈ HK$8,320/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,139
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,268
−HK$131/mo
Today · 4.125%
HK$4,399
baseline
▲ 0.50% · 4.625%
HK$4,667
+HK$268/mo
Deposit HK$389K · loan HK$908K · min. income ≈ HK$8,798/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,605
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,728
−HK$126/mo
Today · 4.125%
HK$4,854
baseline
▲ 0.50% · 4.625%
HK$5,110
+HK$256/mo
Deposit HK$389K · loan HK$908K · min. income ≈ HK$9,708/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,322
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,488
−HK$168/mo
Today · 4.125%
HK$5,656
baseline
▲ 0.50% · 4.625%
HK$6,000
+HK$344/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,312/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,921
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$162/mo
Today · 4.125%
HK$6,241
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$328/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,482/mo (50% DSR)
Upfront cash ≈ HK$130K (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).