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$2,669
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,752
−HK$84/mo
Today · 4.125%
HK$2,836
baseline
▲ 0.50% · 4.625%
HK$3,009
+HK$173/mo
Deposit HK$585K · loan HK$585K · min. income ≈ HK$5,672/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,969
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,049
−HK$80/mo
Today · 4.125%
HK$3,129
baseline
▲ 0.50% · 4.625%
HK$3,294
+HK$165/mo
Deposit HK$585K · loan HK$585K · min. income ≈ HK$6,258/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,202
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,302
−HK$101/mo
Today · 4.125%
HK$3,403
baseline
▲ 0.50% · 4.625%
HK$3,610
+HK$207/mo
Deposit HK$468K · loan HK$702K · min. income ≈ HK$6,806/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,563
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,658
−HK$97/mo
Today · 4.125%
HK$3,755
baseline
▲ 0.50% · 4.625%
HK$3,953
+HK$198/mo
Deposit HK$468K · loan HK$702K · min. income ≈ HK$7,510/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,736
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,852
−HK$119/mo
Today · 4.125%
HK$3,971
baseline
▲ 0.50% · 4.625%
HK$4,212
+HK$241/mo
Deposit HK$351K · loan HK$819K · min. income ≈ HK$7,942/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,157
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,268
−HK$113/mo
Today · 4.125%
HK$4,381
baseline
▲ 0.50% · 4.625%
HK$4,612
+HK$231/mo
Deposit HK$351K · loan HK$819K · min. income ≈ HK$8,762/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,804
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,953
−HK$152/mo
Today · 4.125%
HK$5,105
baseline
▲ 0.50% · 4.625%
HK$5,416
+HK$311/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,210/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$5,344
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,487
−HK$146/mo
Today · 4.125%
HK$5,633
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$297/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,266/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).