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$2,560
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,640
−HK$80/mo
Today · 4.125%
HK$2,720
baseline
▲ 0.50% · 4.625%
HK$2,886
+HK$166/mo
Deposit HK$561K · loan HK$561K · min. income ≈ HK$5,440/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,848
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,924
−HK$78/mo
Today · 4.125%
HK$3,002
baseline
▲ 0.50% · 4.625%
HK$3,160
+HK$158/mo
Deposit HK$561K · loan HK$561K · min. income ≈ HK$6,004/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,072
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,167
−HK$98/mo
Today · 4.125%
HK$3,265
baseline
▲ 0.50% · 4.625%
HK$3,463
+HK$198/mo
Deposit HK$449K · loan HK$674K · min. income ≈ HK$6,530/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,417
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,509
−HK$93/mo
Today · 4.125%
HK$3,602
baseline
▲ 0.50% · 4.625%
HK$3,792
+HK$190/mo
Deposit HK$449K · loan HK$674K · min. income ≈ HK$7,204/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,584
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,695
−HK$114/mo
Today · 4.125%
HK$3,809
baseline
▲ 0.50% · 4.625%
HK$4,040
+HK$231/mo
Deposit HK$337K · loan HK$786K · min. income ≈ HK$7,618/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,987
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,094
−HK$108/mo
Today · 4.125%
HK$4,202
baseline
▲ 0.50% · 4.625%
HK$4,424
+HK$222/mo
Deposit HK$337K · loan HK$786K · min. income ≈ HK$8,404/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,608
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,751
−HK$146/mo
Today · 4.125%
HK$4,897
baseline
▲ 0.50% · 4.625%
HK$5,195
+HK$298/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$9,794/mo (50% DSR)
Upfront cash ≈ HK$112K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,126
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,264
−HK$139/mo
Today · 4.125%
HK$5,403
baseline
▲ 0.50% · 4.625%
HK$5,688
+HK$285/mo
Deposit HK$112K · loan HK$1.01M · min. income ≈ HK$10,806/mo (50% DSR)
Upfront cash ≈ HK$112K (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).