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$2,645
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,728
−HK$83/mo
Today · 4.125%
HK$2,811
baseline
▲ 0.50% · 4.625%
HK$2,982
+HK$171/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$5,622/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,943
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,022
−HK$80/mo
Today · 4.125%
HK$3,102
baseline
▲ 0.50% · 4.625%
HK$3,266
+HK$164/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$6,204/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,175
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,273
−HK$101/mo
Today · 4.125%
HK$3,374
baseline
▲ 0.50% · 4.625%
HK$3,579
+HK$205/mo
Deposit HK$464K · loan HK$696K · min. income ≈ HK$6,748/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,532
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,626
−HK$96/mo
Today · 4.125%
HK$3,722
baseline
▲ 0.50% · 4.625%
HK$3,919
+HK$197/mo
Deposit HK$464K · loan HK$696K · min. income ≈ HK$7,444/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,704
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,819
−HK$117/mo
Today · 4.125%
HK$3,936
baseline
▲ 0.50% · 4.625%
HK$4,175
+HK$239/mo
Deposit HK$348K · loan HK$812K · min. income ≈ HK$7,872/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,120
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,231
−HK$112/mo
Today · 4.125%
HK$4,343
baseline
▲ 0.50% · 4.625%
HK$4,572
+HK$229/mo
Deposit HK$348K · loan HK$812K · min. income ≈ HK$8,686/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,762
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,910
−HK$150/mo
Today · 4.125%
HK$5,060
baseline
▲ 0.50% · 4.625%
HK$5,368
+HK$308/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$10,120/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,298
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,440
−HK$144/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,878
+HK$294/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$11,168/mo (50% DSR)
Upfront cash ≈ HK$116K (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).