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$2,958
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,050
−HK$94/mo
Today · 4.125%
HK$3,144
baseline
▲ 0.50% · 4.625%
HK$3,335
+HK$191/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,288/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$3,291
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,379
−HK$90/mo
Today · 4.125%
HK$3,469
baseline
▲ 0.50% · 4.625%
HK$3,651
+HK$182/mo
Deposit HK$649K · loan HK$649K · min. income ≈ HK$6,938/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$3,550
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,660
−HK$112/mo
Today · 4.125%
HK$3,772
baseline
▲ 0.50% · 4.625%
HK$4,002
+HK$230/mo
Deposit HK$519K · loan HK$778K · min. income ≈ HK$7,544/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$3,949
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,055
−HK$107/mo
Today · 4.125%
HK$4,162
baseline
▲ 0.50% · 4.625%
HK$4,382
+HK$220/mo
Deposit HK$519K · loan HK$778K · min. income ≈ HK$8,324/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$4,141
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,270
−HK$131/mo
Today · 4.125%
HK$4,401
baseline
▲ 0.50% · 4.625%
HK$4,669
+HK$268/mo
Deposit HK$389K · loan HK$908K · min. income ≈ HK$8,802/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$4,607
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,731
−HK$125/mo
Today · 4.125%
HK$4,856
baseline
▲ 0.50% · 4.625%
HK$5,112
+HK$256/mo
Deposit HK$389K · loan HK$908K · min. income ≈ HK$9,712/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$5,324
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,490
−HK$168/mo
Today · 4.125%
HK$5,658
baseline
▲ 0.50% · 4.625%
HK$6,003
+HK$345/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,316/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$5,923
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,082
−HK$161/mo
Today · 4.125%
HK$6,243
baseline
▲ 0.50% · 4.625%
HK$6,573
+HK$330/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,486/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).