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$2,548
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,627
−HK$81/mo
Today · 4.125%
HK$2,708
baseline
▲ 0.50% · 4.625%
HK$2,872
+HK$164/mo
Deposit HK$559K · loan HK$559K · min. income ≈ HK$5,416/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,835
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,911
−HK$77/mo
Today · 4.125%
HK$2,988
baseline
▲ 0.50% · 4.625%
HK$3,145
+HK$157/mo
Deposit HK$559K · loan HK$559K · min. income ≈ HK$5,976/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,057
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,153
−HK$96/mo
Today · 4.125%
HK$3,249
baseline
▲ 0.50% · 4.625%
HK$3,447
+HK$198/mo
Deposit HK$447K · loan HK$670K · min. income ≈ HK$6,498/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,401
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,493
−HK$92/mo
Today · 4.125%
HK$3,585
baseline
▲ 0.50% · 4.625%
HK$3,774
+HK$189/mo
Deposit HK$447K · loan HK$670K · min. income ≈ HK$7,170/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,567
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,678
−HK$113/mo
Today · 4.125%
HK$3,791
baseline
▲ 0.50% · 4.625%
HK$4,021
+HK$230/mo
Deposit HK$335K · loan HK$782K · min. income ≈ HK$7,582/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,968
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,075
−HK$108/mo
Today · 4.125%
HK$4,183
baseline
▲ 0.50% · 4.625%
HK$4,403
+HK$220/mo
Deposit HK$335K · loan HK$782K · min. income ≈ HK$8,366/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,586
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,729
−HK$145/mo
Today · 4.125%
HK$4,874
baseline
▲ 0.50% · 4.625%
HK$5,170
+HK$296/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$9,748/mo (50% DSR)
Upfront cash ≈ HK$112K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,102
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$139/mo
Today · 4.125%
HK$5,378
baseline
▲ 0.50% · 4.625%
HK$5,661
+HK$283/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$10,756/mo (50% DSR)
Upfront cash ≈ HK$112K (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).