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$2,679
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,762
−HK$85/mo
Today · 4.125%
HK$2,847
baseline
▲ 0.50% · 4.625%
HK$3,020
+HK$173/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$5,694/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,980
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,060
−HK$81/mo
Today · 4.125%
HK$3,141
baseline
▲ 0.50% · 4.625%
HK$3,307
+HK$166/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$6,282/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,215
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,315
−HK$101/mo
Today · 4.125%
HK$3,416
baseline
▲ 0.50% · 4.625%
HK$3,624
+HK$208/mo
Deposit HK$470K · loan HK$705K · min. income ≈ HK$6,832/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,576
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$97/mo
Today · 4.125%
HK$3,769
baseline
▲ 0.50% · 4.625%
HK$3,968
+HK$199/mo
Deposit HK$470K · loan HK$705K · min. income ≈ HK$7,538/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,750
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,867
−HK$119/mo
Today · 4.125%
HK$3,986
baseline
▲ 0.50% · 4.625%
HK$4,228
+HK$242/mo
Deposit HK$352K · loan HK$822K · min. income ≈ HK$7,972/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,172
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,284
−HK$114/mo
Today · 4.125%
HK$4,398
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$231/mo
Deposit HK$352K · loan HK$822K · min. income ≈ HK$8,796/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,822
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,972
−HK$152/mo
Today · 4.125%
HK$5,124
baseline
▲ 0.50% · 4.625%
HK$5,436
+HK$312/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$10,248/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,364
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$146/mo
Today · 4.125%
HK$5,654
baseline
▲ 0.50% · 4.625%
HK$5,952
+HK$298/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$11,308/mo (50% DSR)
Upfront cash ≈ HK$118K (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).