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$2,647
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,730
−HK$83/mo
Today · 4.125%
HK$2,813
baseline
▲ 0.50% · 4.625%
HK$2,985
+HK$172/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$5,626/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,945
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,024
−HK$80/mo
Today · 4.125%
HK$3,104
baseline
▲ 0.50% · 4.625%
HK$3,268
+HK$164/mo
Deposit HK$580K · loan HK$580K · min. income ≈ HK$6,208/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,177
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,276
−HK$100/mo
Today · 4.125%
HK$3,376
baseline
▲ 0.50% · 4.625%
HK$3,581
+HK$205/mo
Deposit HK$464K · loan HK$697K · min. income ≈ HK$6,752/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,534
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,629
−HK$96/mo
Today · 4.125%
HK$3,725
baseline
▲ 0.50% · 4.625%
HK$3,921
+HK$196/mo
Deposit HK$464K · loan HK$697K · min. income ≈ HK$7,450/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,706
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,822
−HK$117/mo
Today · 4.125%
HK$3,939
baseline
▲ 0.50% · 4.625%
HK$4,178
+HK$239/mo
Deposit HK$348K · loan HK$813K · min. income ≈ HK$7,878/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,123
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,234
−HK$112/mo
Today · 4.125%
HK$4,346
baseline
▲ 0.50% · 4.625%
HK$4,575
+HK$229/mo
Deposit HK$348K · loan HK$813K · min. income ≈ HK$8,692/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,913
−HK$151/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,372
+HK$308/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$116K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,301
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,443
−HK$145/mo
Today · 4.125%
HK$5,588
baseline
▲ 0.50% · 4.625%
HK$5,882
+HK$294/mo
Deposit HK$116K · loan HK$1.04M · min. income ≈ HK$11,176/mo (50% DSR)
Upfront cash ≈ HK$116K (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).