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$2,610
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,691
−HK$83/mo
Today · 4.125%
HK$2,774
baseline
▲ 0.50% · 4.625%
HK$2,942
+HK$168/mo
Deposit HK$572K · loan HK$572K · min. income ≈ HK$5,548/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,904
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,981
−HK$79/mo
Today · 4.125%
HK$3,060
baseline
▲ 0.50% · 4.625%
HK$3,222
+HK$162/mo
Deposit HK$572K · loan HK$572K · min. income ≈ HK$6,120/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,132
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,229
−HK$99/mo
Today · 4.125%
HK$3,328
baseline
▲ 0.50% · 4.625%
HK$3,531
+HK$203/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$6,656/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,484
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,578
−HK$94/mo
Today · 4.125%
HK$3,672
baseline
▲ 0.50% · 4.625%
HK$3,866
+HK$194/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$7,344/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,654
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,768
−HK$115/mo
Today · 4.125%
HK$3,883
baseline
▲ 0.50% · 4.625%
HK$4,119
+HK$236/mo
Deposit HK$343K · loan HK$801K · min. income ≈ HK$7,766/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,065
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,174
−HK$111/mo
Today · 4.125%
HK$4,285
baseline
▲ 0.50% · 4.625%
HK$4,510
+HK$225/mo
Deposit HK$343K · loan HK$801K · min. income ≈ HK$8,570/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,698
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,844
−HK$148/mo
Today · 4.125%
HK$4,992
baseline
▲ 0.50% · 4.625%
HK$5,296
+HK$304/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,984/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$5,226
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,366
−HK$143/mo
Today · 4.125%
HK$5,509
baseline
▲ 0.50% · 4.625%
HK$5,799
+HK$290/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$11,018/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).