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$2,571
−HK$161/mo
▼ 0.25% · 3.875%
HK$2,651
−HK$81/mo
Today · 4.125%
HK$2,732
baseline
▲ 0.50% · 4.625%
HK$2,898
+HK$166/mo
Deposit HK$564K · loan HK$564K · min. income ≈ HK$5,464/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,860
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,936
−HK$78/mo
Today · 4.125%
HK$3,014
baseline
▲ 0.50% · 4.625%
HK$3,173
+HK$159/mo
Deposit HK$564K · loan HK$564K · min. income ≈ HK$6,028/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,085
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,181
−HK$97/mo
Today · 4.125%
HK$3,278
baseline
▲ 0.50% · 4.625%
HK$3,478
+HK$200/mo
Deposit HK$451K · loan HK$676K · min. income ≈ HK$6,556/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,432
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,524
−HK$93/mo
Today · 4.125%
HK$3,617
baseline
▲ 0.50% · 4.625%
HK$3,808
+HK$191/mo
Deposit HK$451K · loan HK$676K · min. income ≈ HK$7,234/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,599
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,711
−HK$113/mo
Today · 4.125%
HK$3,824
baseline
▲ 0.50% · 4.625%
HK$4,057
+HK$233/mo
Deposit HK$338K · loan HK$789K · min. income ≈ HK$7,648/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,004
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,111
−HK$109/mo
Today · 4.125%
HK$4,220
baseline
▲ 0.50% · 4.625%
HK$4,442
+HK$222/mo
Deposit HK$338K · loan HK$789K · min. income ≈ HK$8,440/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,627
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,771
−HK$146/mo
Today · 4.125%
HK$4,917
baseline
▲ 0.50% · 4.625%
HK$5,216
+HK$299/mo
Deposit HK$113K · loan HK$1.01M · min. income ≈ HK$9,834/mo (50% DSR)
Upfront cash ≈ HK$113K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,148
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,286
−HK$140/mo
Today · 4.125%
HK$5,426
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$286/mo
Deposit HK$113K · loan HK$1.01M · min. income ≈ HK$10,852/mo (50% DSR)
Upfront cash ≈ HK$113K (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).