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$2,671
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,754
−HK$85/mo
Today · 4.125%
HK$2,839
baseline
▲ 0.50% · 4.625%
HK$3,011
+HK$172/mo
Deposit HK$586K · loan HK$586K · min. income ≈ HK$5,678/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,972
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,051
−HK$81/mo
Today · 4.125%
HK$3,132
baseline
▲ 0.50% · 4.625%
HK$3,297
+HK$165/mo
Deposit HK$586K · loan HK$586K · min. income ≈ HK$6,264/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,205
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,305
−HK$101/mo
Today · 4.125%
HK$3,406
baseline
▲ 0.50% · 4.625%
HK$3,614
+HK$208/mo
Deposit HK$469K · loan HK$703K · min. income ≈ HK$6,812/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,566
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,662
−HK$97/mo
Today · 4.125%
HK$3,759
baseline
▲ 0.50% · 4.625%
HK$3,957
+HK$198/mo
Deposit HK$469K · loan HK$703K · min. income ≈ HK$7,518/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,740
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,856
−HK$118/mo
Today · 4.125%
HK$3,974
baseline
▲ 0.50% · 4.625%
HK$4,216
+HK$242/mo
Deposit HK$351K · loan HK$820K · min. income ≈ HK$7,948/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,160
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,272
−HK$113/mo
Today · 4.125%
HK$4,385
baseline
▲ 0.50% · 4.625%
HK$4,616
+HK$231/mo
Deposit HK$351K · loan HK$820K · min. income ≈ HK$8,770/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,808
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,958
−HK$152/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,421
+HK$311/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,220/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,349
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,492
−HK$146/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,935
+HK$297/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,276/mo (50% DSR)
Upfront cash ≈ HK$117K (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).