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$3,010
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,103
−HK$96/mo
Today · 4.125%
HK$3,199
baseline
▲ 0.50% · 4.625%
HK$3,393
+HK$194/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$6,398/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,348
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,438
−HK$91/mo
Today · 4.125%
HK$3,529
baseline
▲ 0.50% · 4.625%
HK$3,715
+HK$186/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$7,058/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,612
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,724
−HK$114/mo
Today · 4.125%
HK$3,838
baseline
▲ 0.50% · 4.625%
HK$4,072
+HK$234/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$7,676/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,018
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,126
−HK$109/mo
Today · 4.125%
HK$4,235
baseline
▲ 0.50% · 4.625%
HK$4,458
+HK$223/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$8,470/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,214
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,345
−HK$133/mo
Today · 4.125%
HK$4,478
baseline
▲ 0.50% · 4.625%
HK$4,750
+HK$272/mo
Deposit HK$396K · loan HK$924K · min. income ≈ HK$8,956/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,688
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,813
−HK$128/mo
Today · 4.125%
HK$4,941
baseline
▲ 0.50% · 4.625%
HK$5,201
+HK$260/mo
Deposit HK$396K · loan HK$924K · min. income ≈ HK$9,882/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,418
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$171/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$351/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,514/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,027
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$164/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,688
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,706/mo (50% DSR)
Upfront cash ≈ HK$132K (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).