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$2,611
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,692
−HK$83/mo
Today · 4.125%
HK$2,775
baseline
▲ 0.50% · 4.625%
HK$2,943
+HK$168/mo
Deposit HK$572K · loan HK$572K · min. income ≈ HK$5,550/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,905
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,982
−HK$79/mo
Today · 4.125%
HK$3,061
baseline
▲ 0.50% · 4.625%
HK$3,223
+HK$162/mo
Deposit HK$572K · loan HK$572K · min. income ≈ HK$6,122/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,133
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,230
−HK$99/mo
Today · 4.125%
HK$3,329
baseline
▲ 0.50% · 4.625%
HK$3,532
+HK$203/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$6,658/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,485
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,579
−HK$95/mo
Today · 4.125%
HK$3,674
baseline
▲ 0.50% · 4.625%
HK$3,867
+HK$193/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$7,348/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,655
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,769
−HK$115/mo
Today · 4.125%
HK$3,884
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$237/mo
Deposit HK$343K · loan HK$801K · min. income ≈ HK$7,768/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,066
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,175
−HK$111/mo
Today · 4.125%
HK$4,286
baseline
▲ 0.50% · 4.625%
HK$4,512
+HK$226/mo
Deposit HK$343K · loan HK$801K · min. income ≈ HK$8,572/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,700
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,846
−HK$148/mo
Today · 4.125%
HK$4,994
baseline
▲ 0.50% · 4.625%
HK$5,298
+HK$304/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,988/mo (50% DSR)
Upfront cash ≈ HK$115K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,228
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,368
−HK$143/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$290/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$11,022/mo (50% DSR)
Upfront cash ≈ HK$115K (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).