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$3,104
−HK$95/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$3,349
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,438
−HK$92/mo
Today · 4.125%
HK$3,530
baseline
▲ 0.50% · 4.625%
HK$3,716
+HK$186/mo
Deposit HK$660K · loan HK$660K · min. income ≈ HK$7,060/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$227/mo
▼ 0.25% · 3.875%
HK$3,724
−HK$115/mo
Today · 4.125%
HK$3,839
baseline
▲ 0.50% · 4.625%
HK$4,072
+HK$233/mo
Deposit HK$528K · loan HK$792K · min. income ≈ HK$7,678/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$4,459
+HK$224/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$4,751
+HK$273/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$4,814
−HK$127/mo
Today · 4.125%
HK$4,941
baseline
▲ 0.50% · 4.625%
HK$5,202
+HK$261/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$340/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$171/mo
Today · 4.125%
HK$5,758
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$350/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,516/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$6,028
−HK$325/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).