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$3,001
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,094
−HK$95/mo
Today · 4.125%
HK$3,189
baseline
▲ 0.50% · 4.625%
HK$3,383
+HK$194/mo
Deposit HK$658K · loan HK$658K · min. income ≈ HK$6,378/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,339
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,428
−HK$91/mo
Today · 4.125%
HK$3,519
baseline
▲ 0.50% · 4.625%
HK$3,704
+HK$185/mo
Deposit HK$658K · loan HK$658K · min. income ≈ HK$7,038/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,601
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,713
−HK$114/mo
Today · 4.125%
HK$3,827
baseline
▲ 0.50% · 4.625%
HK$4,060
+HK$233/mo
Deposit HK$526K · loan HK$790K · min. income ≈ HK$7,654/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,006
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,114
−HK$109/mo
Today · 4.125%
HK$4,223
baseline
▲ 0.50% · 4.625%
HK$4,445
+HK$222/mo
Deposit HK$526K · loan HK$790K · min. income ≈ HK$8,446/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,201
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,332
−HK$133/mo
Today · 4.125%
HK$4,465
baseline
▲ 0.50% · 4.625%
HK$4,737
+HK$272/mo
Deposit HK$395K · loan HK$921K · min. income ≈ HK$8,930/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,674
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,799
−HK$128/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,186
+HK$259/mo
Deposit HK$395K · loan HK$921K · min. income ≈ HK$9,854/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,402
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$171/mo
Today · 4.125%
HK$5,741
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$349/mo
Deposit HK$132K · loan HK$1.18M · min. income ≈ HK$11,482/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,009
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$163/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$334/mo
Deposit HK$132K · loan HK$1.18M · min. income ≈ HK$12,668/mo (50% DSR)
Upfront cash ≈ HK$132K (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).