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$2,735
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,820
−HK$87/mo
Today · 4.125%
HK$2,907
baseline
▲ 0.50% · 4.625%
HK$3,084
+HK$177/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$5,814/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,043
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,125
−HK$82/mo
Today · 4.125%
HK$3,207
baseline
▲ 0.50% · 4.625%
HK$3,376
+HK$169/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$6,414/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,282
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,384
−HK$104/mo
Today · 4.125%
HK$3,488
baseline
▲ 0.50% · 4.625%
HK$3,700
+HK$212/mo
Deposit HK$480K · loan HK$720K · min. income ≈ HK$6,976/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,651
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,749
−HK$100/mo
Today · 4.125%
HK$3,849
baseline
▲ 0.50% · 4.625%
HK$4,052
+HK$203/mo
Deposit HK$480K · loan HK$720K · min. income ≈ HK$7,698/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,829
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,948
−HK$121/mo
Today · 4.125%
HK$4,069
baseline
▲ 0.50% · 4.625%
HK$4,317
+HK$248/mo
Deposit HK$360K · loan HK$840K · min. income ≈ HK$8,138/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,260
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,374
−HK$116/mo
Today · 4.125%
HK$4,490
baseline
▲ 0.50% · 4.625%
HK$4,727
+HK$237/mo
Deposit HK$360K · loan HK$840K · min. income ≈ HK$8,980/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,923
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,077
−HK$155/mo
Today · 4.125%
HK$5,232
baseline
▲ 0.50% · 4.625%
HK$5,550
+HK$318/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,464/mo (50% DSR)
Upfront cash ≈ HK$120K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,477
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,624
−HK$149/mo
Today · 4.125%
HK$5,773
baseline
▲ 0.50% · 4.625%
HK$6,077
+HK$304/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,546/mo (50% DSR)
Upfront cash ≈ HK$120K (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).