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$2,853
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,942
−HK$90/mo
Today · 4.125%
HK$3,032
baseline
▲ 0.50% · 4.625%
HK$3,216
+HK$184/mo
Deposit HK$626K · loan HK$626K · min. income ≈ HK$6,064/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,174
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,259
−HK$86/mo
Today · 4.125%
HK$3,345
baseline
▲ 0.50% · 4.625%
HK$3,522
+HK$177/mo
Deposit HK$626K · loan HK$626K · min. income ≈ HK$6,690/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,423
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,530
−HK$108/mo
Today · 4.125%
HK$3,638
baseline
▲ 0.50% · 4.625%
HK$3,859
+HK$221/mo
Deposit HK$500K · loan HK$751K · min. income ≈ HK$7,276/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,809
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,911
−HK$103/mo
Today · 4.125%
HK$4,014
baseline
▲ 0.50% · 4.625%
HK$4,226
+HK$212/mo
Deposit HK$500K · loan HK$751K · min. income ≈ HK$8,028/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,994
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,118
−HK$126/mo
Today · 4.125%
HK$4,244
baseline
▲ 0.50% · 4.625%
HK$4,503
+HK$259/mo
Deposit HK$375K · loan HK$876K · min. income ≈ HK$8,488/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,443
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,562
−HK$121/mo
Today · 4.125%
HK$4,683
baseline
▲ 0.50% · 4.625%
HK$4,930
+HK$247/mo
Deposit HK$375K · loan HK$876K · min. income ≈ HK$9,366/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,135
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,295
−HK$162/mo
Today · 4.125%
HK$5,457
baseline
▲ 0.50% · 4.625%
HK$5,789
+HK$332/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$10,914/mo (50% DSR)
Upfront cash ≈ HK$125K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,713
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,866
−HK$155/mo
Today · 4.125%
HK$6,021
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$318/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$12,042/mo (50% DSR)
Upfront cash ≈ HK$125K (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).