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$2,751
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,836
−HK$87/mo
Today · 4.125%
HK$2,923
baseline
▲ 0.50% · 4.625%
HK$3,101
+HK$178/mo
Deposit HK$603K · loan HK$603K · min. income ≈ HK$5,846/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,060
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,142
−HK$84/mo
Today · 4.125%
HK$3,226
baseline
▲ 0.50% · 4.625%
HK$3,396
+HK$170/mo
Deposit HK$603K · loan HK$603K · min. income ≈ HK$6,452/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,301
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,404
−HK$104/mo
Today · 4.125%
HK$3,508
baseline
▲ 0.50% · 4.625%
HK$3,721
+HK$213/mo
Deposit HK$483K · loan HK$724K · min. income ≈ HK$7,016/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,672
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,771
−HK$100/mo
Today · 4.125%
HK$3,871
baseline
▲ 0.50% · 4.625%
HK$4,075
+HK$204/mo
Deposit HK$483K · loan HK$724K · min. income ≈ HK$7,742/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,851
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,971
−HK$122/mo
Today · 4.125%
HK$4,093
baseline
▲ 0.50% · 4.625%
HK$4,342
+HK$249/mo
Deposit HK$362K · loan HK$844K · min. income ≈ HK$8,186/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,284
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,399
−HK$117/mo
Today · 4.125%
HK$4,516
baseline
▲ 0.50% · 4.625%
HK$4,754
+HK$238/mo
Deposit HK$362K · loan HK$844K · min. income ≈ HK$9,032/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,951
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,105
−HK$157/mo
Today · 4.125%
HK$5,262
baseline
▲ 0.50% · 4.625%
HK$5,582
+HK$320/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$10,524/mo (50% DSR)
Upfront cash ≈ HK$121K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,508
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,656
−HK$150/mo
Today · 4.125%
HK$5,806
baseline
▲ 0.50% · 4.625%
HK$6,112
+HK$306/mo
Deposit HK$121K · loan HK$1.09M · min. income ≈ HK$11,612/mo (50% DSR)
Upfront cash ≈ HK$121K (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).