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$2,960
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,053
−HK$93/mo
Today · 4.125%
HK$3,146
baseline
▲ 0.50% · 4.625%
HK$3,338
+HK$192/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,292/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,294
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,382
−HK$89/mo
Today · 4.125%
HK$3,471
baseline
▲ 0.50% · 4.625%
HK$3,654
+HK$183/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,942/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,553
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,663
−HK$112/mo
Today · 4.125%
HK$3,775
baseline
▲ 0.50% · 4.625%
HK$4,005
+HK$230/mo
Deposit HK$519K · loan HK$779K · min. income ≈ HK$7,550/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$3,952
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,058
−HK$108/mo
Today · 4.125%
HK$4,166
baseline
▲ 0.50% · 4.625%
HK$4,385
+HK$219/mo
Deposit HK$519K · loan HK$779K · min. income ≈ HK$8,332/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$4,145
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,274
−HK$131/mo
Today · 4.125%
HK$4,405
baseline
▲ 0.50% · 4.625%
HK$4,673
+HK$268/mo
Deposit HK$389K · loan HK$909K · min. income ≈ HK$8,810/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,611
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,735
−HK$125/mo
Today · 4.125%
HK$4,860
baseline
▲ 0.50% · 4.625%
HK$5,116
+HK$256/mo
Deposit HK$389K · loan HK$909K · min. income ≈ HK$9,720/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,329
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,495
−HK$168/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$6,008
+HK$345/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,326/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$5,928
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$162/mo
Today · 4.125%
HK$6,249
baseline
▲ 0.50% · 4.625%
HK$6,578
+HK$329/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,498/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).