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$2,738
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,823
−HK$87/mo
Today · 4.125%
HK$2,910
baseline
▲ 0.50% · 4.625%
HK$3,087
+HK$177/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$5,820/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,046
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,128
−HK$83/mo
Today · 4.125%
HK$3,211
baseline
▲ 0.50% · 4.625%
HK$3,380
+HK$169/mo
Deposit HK$600K · loan HK$600K · min. income ≈ HK$6,422/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,286
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,388
−HK$104/mo
Today · 4.125%
HK$3,492
baseline
▲ 0.50% · 4.625%
HK$3,705
+HK$213/mo
Deposit HK$480K · loan HK$721K · min. income ≈ HK$6,984/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$3,656
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,754
−HK$99/mo
Today · 4.125%
HK$3,853
baseline
▲ 0.50% · 4.625%
HK$4,056
+HK$203/mo
Deposit HK$480K · loan HK$721K · min. income ≈ HK$7,706/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$3,834
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,953
−HK$121/mo
Today · 4.125%
HK$4,074
baseline
▲ 0.50% · 4.625%
HK$4,322
+HK$248/mo
Deposit HK$360K · loan HK$841K · min. income ≈ HK$8,148/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$4,265
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,379
−HK$116/mo
Today · 4.125%
HK$4,495
baseline
▲ 0.50% · 4.625%
HK$4,732
+HK$237/mo
Deposit HK$360K · loan HK$841K · min. income ≈ HK$8,990/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$4,929
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,082
−HK$156/mo
Today · 4.125%
HK$5,238
baseline
▲ 0.50% · 4.625%
HK$5,557
+HK$319/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,476/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$5,483
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,630
−HK$150/mo
Today · 4.125%
HK$5,780
baseline
▲ 0.50% · 4.625%
HK$6,084
+HK$304/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,560/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).