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$2,730
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,815
−HK$86/mo
Today · 4.125%
HK$2,901
baseline
▲ 0.50% · 4.625%
HK$3,078
+HK$177/mo
Deposit HK$599K · loan HK$599K · min. income ≈ HK$5,802/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,037
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,119
−HK$82/mo
Today · 4.125%
HK$3,201
baseline
▲ 0.50% · 4.625%
HK$3,370
+HK$169/mo
Deposit HK$599K · loan HK$599K · min. income ≈ HK$6,402/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,276
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,378
−HK$103/mo
Today · 4.125%
HK$3,481
baseline
▲ 0.50% · 4.625%
HK$3,693
+HK$212/mo
Deposit HK$479K · loan HK$718K · min. income ≈ HK$6,962/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,645
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,742
−HK$99/mo
Today · 4.125%
HK$3,841
baseline
▲ 0.50% · 4.625%
HK$4,044
+HK$203/mo
Deposit HK$479K · loan HK$718K · min. income ≈ HK$7,682/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,822
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,941
−HK$121/mo
Today · 4.125%
HK$4,062
baseline
▲ 0.50% · 4.625%
HK$4,309
+HK$247/mo
Deposit HK$359K · loan HK$838K · min. income ≈ HK$8,124/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,252
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,366
−HK$116/mo
Today · 4.125%
HK$4,482
baseline
▲ 0.50% · 4.625%
HK$4,718
+HK$236/mo
Deposit HK$359K · loan HK$838K · min. income ≈ HK$8,964/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,914
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,067
−HK$155/mo
Today · 4.125%
HK$5,222
baseline
▲ 0.50% · 4.625%
HK$5,540
+HK$318/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$10,444/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$5,467
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,613
−HK$149/mo
Today · 4.125%
HK$5,762
baseline
▲ 0.50% · 4.625%
HK$6,066
+HK$304/mo
Deposit HK$120K · loan HK$1.08M · min. income ≈ HK$11,524/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).