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$2,556
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,635
−HK$81/mo
Today · 4.125%
HK$2,716
baseline
▲ 0.50% · 4.625%
HK$2,881
+HK$165/mo
Deposit HK$560K · loan HK$560K · min. income ≈ HK$5,432/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,843
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,919
−HK$78/mo
Today · 4.125%
HK$2,997
baseline
▲ 0.50% · 4.625%
HK$3,155
+HK$158/mo
Deposit HK$560K · loan HK$560K · min. income ≈ HK$5,994/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,067
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,162
−HK$97/mo
Today · 4.125%
HK$3,259
baseline
▲ 0.50% · 4.625%
HK$3,457
+HK$198/mo
Deposit HK$448K · loan HK$672K · min. income ≈ HK$6,518/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,412
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,503
−HK$93/mo
Today · 4.125%
HK$3,596
baseline
▲ 0.50% · 4.625%
HK$3,786
+HK$190/mo
Deposit HK$448K · loan HK$672K · min. income ≈ HK$7,192/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,578
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,689
−HK$113/mo
Today · 4.125%
HK$3,802
baseline
▲ 0.50% · 4.625%
HK$4,034
+HK$232/mo
Deposit HK$336K · loan HK$785K · min. income ≈ HK$7,604/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,980
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,087
−HK$108/mo
Today · 4.125%
HK$4,195
baseline
▲ 0.50% · 4.625%
HK$4,417
+HK$222/mo
Deposit HK$336K · loan HK$785K · min. income ≈ HK$8,390/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,600
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,743
−HK$146/mo
Today · 4.125%
HK$4,889
baseline
▲ 0.50% · 4.625%
HK$5,186
+HK$297/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$9,778/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$5,118
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,255
−HK$139/mo
Today · 4.125%
HK$5,394
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$284/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$10,788/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).