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$2,659
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,742
−HK$84/mo
Today · 4.125%
HK$2,826
baseline
▲ 0.50% · 4.625%
HK$2,998
+HK$172/mo
Deposit HK$583K · loan HK$583K · min. income ≈ HK$5,652/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,959
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,038
−HK$80/mo
Today · 4.125%
HK$3,118
baseline
▲ 0.50% · 4.625%
HK$3,283
+HK$165/mo
Deposit HK$583K · loan HK$583K · min. income ≈ HK$6,236/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,191
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,291
−HK$100/mo
Today · 4.125%
HK$3,391
baseline
▲ 0.50% · 4.625%
HK$3,598
+HK$207/mo
Deposit HK$467K · loan HK$700K · min. income ≈ HK$6,782/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,550
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,645
−HK$97/mo
Today · 4.125%
HK$3,742
baseline
▲ 0.50% · 4.625%
HK$3,939
+HK$197/mo
Deposit HK$467K · loan HK$700K · min. income ≈ HK$7,484/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,723
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,839
−HK$118/mo
Today · 4.125%
HK$3,957
baseline
▲ 0.50% · 4.625%
HK$4,197
+HK$240/mo
Deposit HK$350K · loan HK$816K · min. income ≈ HK$7,914/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,142
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,253
−HK$113/mo
Today · 4.125%
HK$4,366
baseline
▲ 0.50% · 4.625%
HK$4,596
+HK$230/mo
Deposit HK$350K · loan HK$816K · min. income ≈ HK$8,732/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,787
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,936
−HK$151/mo
Today · 4.125%
HK$5,087
baseline
▲ 0.50% · 4.625%
HK$5,397
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,174/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,325
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$145/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,909
+HK$296/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,226/mo (50% DSR)
Upfront cash ≈ HK$117K (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).