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$2,711
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,795
−HK$86/mo
Today · 4.125%
HK$2,881
baseline
▲ 0.50% · 4.625%
HK$3,056
+HK$175/mo
Deposit HK$594K · loan HK$594K · min. income ≈ HK$5,762/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,016
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,097
−HK$82/mo
Today · 4.125%
HK$3,179
baseline
▲ 0.50% · 4.625%
HK$3,346
+HK$167/mo
Deposit HK$594K · loan HK$594K · min. income ≈ HK$6,358/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,253
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,354
−HK$103/mo
Today · 4.125%
HK$3,457
baseline
▲ 0.50% · 4.625%
HK$3,667
+HK$210/mo
Deposit HK$476K · loan HK$713K · min. income ≈ HK$6,914/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,619
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,716
−HK$98/mo
Today · 4.125%
HK$3,814
baseline
▲ 0.50% · 4.625%
HK$4,015
+HK$201/mo
Deposit HK$476K · loan HK$713K · min. income ≈ HK$7,628/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,795
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,913
−HK$120/mo
Today · 4.125%
HK$4,033
baseline
▲ 0.50% · 4.625%
HK$4,278
+HK$245/mo
Deposit HK$357K · loan HK$832K · min. income ≈ HK$8,066/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,222
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,335
−HK$115/mo
Today · 4.125%
HK$4,450
baseline
▲ 0.50% · 4.625%
HK$4,685
+HK$235/mo
Deposit HK$357K · loan HK$832K · min. income ≈ HK$8,900/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,879
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$154/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$316/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,370/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,428
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,574
−HK$147/mo
Today · 4.125%
HK$5,721
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,442/mo (50% DSR)
Upfront cash ≈ HK$119K (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).