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$2,605
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,686
−HK$83/mo
Today · 4.125%
HK$2,769
baseline
▲ 0.50% · 4.625%
HK$2,937
+HK$168/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$5,538/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$2,898
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,976
−HK$79/mo
Today · 4.125%
HK$3,055
baseline
▲ 0.50% · 4.625%
HK$3,216
+HK$161/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$6,110/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$3,126
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,224
−HK$98/mo
Today · 4.125%
HK$3,322
baseline
▲ 0.50% · 4.625%
HK$3,525
+HK$203/mo
Deposit HK$457K · loan HK$686K · min. income ≈ HK$6,644/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$3,478
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,571
−HK$95/mo
Today · 4.125%
HK$3,666
baseline
▲ 0.50% · 4.625%
HK$3,859
+HK$193/mo
Deposit HK$457K · loan HK$686K · min. income ≈ HK$7,332/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$3,647
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,761
−HK$115/mo
Today · 4.125%
HK$3,876
baseline
▲ 0.50% · 4.625%
HK$4,112
+HK$236/mo
Deposit HK$343K · loan HK$800K · min. income ≈ HK$7,752/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,058
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$110/mo
Today · 4.125%
HK$4,277
baseline
▲ 0.50% · 4.625%
HK$4,502
+HK$225/mo
Deposit HK$343K · loan HK$800K · min. income ≈ HK$8,554/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,690
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,835
−HK$149/mo
Today · 4.125%
HK$4,984
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,968/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$5,217
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$142/mo
Today · 4.125%
HK$5,499
baseline
▲ 0.50% · 4.625%
HK$5,789
+HK$290/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,998/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).