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$2,869
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,958
−HK$91/mo
Today · 4.125%
HK$3,049
baseline
▲ 0.50% · 4.625%
HK$3,234
+HK$185/mo
Deposit HK$629K · loan HK$629K · min. income ≈ HK$6,098/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,192
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,277
−HK$87/mo
Today · 4.125%
HK$3,364
baseline
▲ 0.50% · 4.625%
HK$3,542
+HK$178/mo
Deposit HK$629K · loan HK$629K · min. income ≈ HK$6,728/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,443
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,550
−HK$109/mo
Today · 4.125%
HK$3,659
baseline
▲ 0.50% · 4.625%
HK$3,881
+HK$222/mo
Deposit HK$503K · loan HK$755K · min. income ≈ HK$7,318/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,830
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,933
−HK$104/mo
Today · 4.125%
HK$4,037
baseline
▲ 0.50% · 4.625%
HK$4,250
+HK$213/mo
Deposit HK$503K · loan HK$755K · min. income ≈ HK$8,074/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,017
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,142
−HK$127/mo
Today · 4.125%
HK$4,269
baseline
▲ 0.50% · 4.625%
HK$4,528
+HK$259/mo
Deposit HK$377K · loan HK$881K · min. income ≈ HK$8,538/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,468
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,588
−HK$122/mo
Today · 4.125%
HK$4,710
baseline
▲ 0.50% · 4.625%
HK$4,958
+HK$248/mo
Deposit HK$377K · loan HK$881K · min. income ≈ HK$9,420/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,164
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$163/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,976/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,745
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,899
−HK$157/mo
Today · 4.125%
HK$6,056
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$319/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,112/mo (50% DSR)
Upfront cash ≈ HK$126K (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).