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$2,997
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,090
−HK$95/mo
Today · 4.125%
HK$3,185
baseline
▲ 0.50% · 4.625%
HK$3,379
+HK$194/mo
Deposit HK$657K · loan HK$657K · min. income ≈ HK$6,370/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,334
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,423
−HK$91/mo
Today · 4.125%
HK$3,514
baseline
▲ 0.50% · 4.625%
HK$3,699
+HK$185/mo
Deposit HK$657K · loan HK$657K · min. income ≈ HK$7,028/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,596
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,708
−HK$114/mo
Today · 4.125%
HK$3,822
baseline
▲ 0.50% · 4.625%
HK$4,054
+HK$232/mo
Deposit HK$526K · loan HK$789K · min. income ≈ HK$7,644/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,001
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,108
−HK$109/mo
Today · 4.125%
HK$4,217
baseline
▲ 0.50% · 4.625%
HK$4,439
+HK$222/mo
Deposit HK$526K · loan HK$789K · min. income ≈ HK$8,434/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,196
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,326
−HK$133/mo
Today · 4.125%
HK$4,459
baseline
▲ 0.50% · 4.625%
HK$4,730
+HK$271/mo
Deposit HK$394K · loan HK$920K · min. income ≈ HK$8,918/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,668
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,793
−HK$127/mo
Today · 4.125%
HK$4,920
baseline
▲ 0.50% · 4.625%
HK$5,179
+HK$259/mo
Deposit HK$394K · loan HK$920K · min. income ≈ HK$9,840/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,394
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,562
−HK$171/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,081
+HK$348/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,466/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,001
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,162
−HK$163/mo
Today · 4.125%
HK$6,325
baseline
▲ 0.50% · 4.625%
HK$6,659
+HK$334/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,650/mo (50% DSR)
Upfront cash ≈ HK$132K (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).