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$2,630
−HK$165/mo
▼ 0.25% · 3.875%
HK$2,712
−HK$83/mo
Today · 4.125%
HK$2,795
baseline
▲ 0.50% · 4.625%
HK$2,965
+HK$170/mo
Deposit HK$577K · loan HK$577K · min. income ≈ HK$5,590/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,926
−HK$158/mo
▼ 0.25% · 3.875%
HK$3,004
−HK$80/mo
Today · 4.125%
HK$3,084
baseline
▲ 0.50% · 4.625%
HK$3,247
+HK$163/mo
Deposit HK$577K · loan HK$577K · min. income ≈ HK$6,168/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,156
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,254
−HK$100/mo
Today · 4.125%
HK$3,354
baseline
▲ 0.50% · 4.625%
HK$3,558
+HK$204/mo
Deposit HK$461K · loan HK$692K · min. income ≈ HK$6,708/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,511
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,605
−HK$96/mo
Today · 4.125%
HK$3,701
baseline
▲ 0.50% · 4.625%
HK$3,896
+HK$195/mo
Deposit HK$461K · loan HK$692K · min. income ≈ HK$7,402/mo (50% DSR)
Upfront cash ≈ HK$461K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,682
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,797
−HK$116/mo
Today · 4.125%
HK$3,913
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$238/mo
Deposit HK$346K · loan HK$807K · min. income ≈ HK$7,826/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,096
−HK$222/mo
▼ 0.25% · 3.875%
HK$4,206
−HK$112/mo
Today · 4.125%
HK$4,318
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$227/mo
Deposit HK$346K · loan HK$807K · min. income ≈ HK$8,636/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,734
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,882
−HK$149/mo
Today · 4.125%
HK$5,031
baseline
▲ 0.50% · 4.625%
HK$5,337
+HK$306/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$10,062/mo (50% DSR)
Upfront cash ≈ HK$115K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,267
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,408
−HK$143/mo
Today · 4.125%
HK$5,551
baseline
▲ 0.50% · 4.625%
HK$5,844
+HK$293/mo
Deposit HK$115K · loan HK$1.04M · min. income ≈ HK$11,102/mo (50% DSR)
Upfront cash ≈ HK$115K (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).