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$2,904
−HK$183/mo
▼ 0.25% · 3.875%
HK$2,995
−HK$92/mo
Today · 4.125%
HK$3,087
baseline
▲ 0.50% · 4.625%
HK$3,274
+HK$187/mo
Deposit HK$637K · loan HK$637K · min. income ≈ HK$6,174/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,231
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,318
−HK$88/mo
Today · 4.125%
HK$3,406
baseline
▲ 0.50% · 4.625%
HK$3,585
+HK$179/mo
Deposit HK$637K · loan HK$637K · min. income ≈ HK$6,812/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,485
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,594
−HK$110/mo
Today · 4.125%
HK$3,704
baseline
▲ 0.50% · 4.625%
HK$3,929
+HK$225/mo
Deposit HK$509K · loan HK$764K · min. income ≈ HK$7,408/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,877
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,981
−HK$106/mo
Today · 4.125%
HK$4,087
baseline
▲ 0.50% · 4.625%
HK$4,302
+HK$215/mo
Deposit HK$509K · loan HK$764K · min. income ≈ HK$8,174/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,066
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,193
−HK$128/mo
Today · 4.125%
HK$4,321
baseline
▲ 0.50% · 4.625%
HK$4,584
+HK$263/mo
Deposit HK$382K · loan HK$892K · min. income ≈ HK$8,642/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,524
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,645
−HK$123/mo
Today · 4.125%
HK$4,768
baseline
▲ 0.50% · 4.625%
HK$5,019
+HK$251/mo
Deposit HK$382K · loan HK$892K · min. income ≈ HK$9,536/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,228
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,391
−HK$165/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,894
+HK$338/mo
Deposit HK$127K · loan HK$1.15M · min. income ≈ HK$11,112/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,816
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,972
−HK$158/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,454
+HK$324/mo
Deposit HK$127K · loan HK$1.15M · min. income ≈ HK$12,260/mo (50% DSR)
Upfront cash ≈ HK$127K (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).