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$2,602
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,683
−HK$83/mo
Today · 4.125%
HK$2,766
baseline
▲ 0.50% · 4.625%
HK$2,934
+HK$168/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$5,532/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,895
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,973
−HK$79/mo
Today · 4.125%
HK$3,052
baseline
▲ 0.50% · 4.625%
HK$3,212
+HK$160/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$6,104/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,123
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,220
−HK$99/mo
Today · 4.125%
HK$3,319
baseline
▲ 0.50% · 4.625%
HK$3,521
+HK$202/mo
Deposit HK$457K · loan HK$685K · min. income ≈ HK$6,638/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,474
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,567
−HK$95/mo
Today · 4.125%
HK$3,662
baseline
▲ 0.50% · 4.625%
HK$3,855
+HK$193/mo
Deposit HK$457K · loan HK$685K · min. income ≈ HK$7,324/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,643
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,757
−HK$115/mo
Today · 4.125%
HK$3,872
baseline
▲ 0.50% · 4.625%
HK$4,107
+HK$235/mo
Deposit HK$342K · loan HK$799K · min. income ≈ HK$7,744/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,053
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,162
−HK$110/mo
Today · 4.125%
HK$4,272
baseline
▲ 0.50% · 4.625%
HK$4,497
+HK$225/mo
Deposit HK$342K · loan HK$799K · min. income ≈ HK$8,544/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,684
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,830
−HK$148/mo
Today · 4.125%
HK$4,978
baseline
▲ 0.50% · 4.625%
HK$5,281
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,956/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,211
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,351
−HK$142/mo
Today · 4.125%
HK$5,493
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$289/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,986/mo (50% DSR)
Upfront cash ≈ HK$114K (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).