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$2,993
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,086
−HK$95/mo
Today · 4.125%
HK$3,181
baseline
▲ 0.50% · 4.625%
HK$3,375
+HK$194/mo
Deposit HK$656K · loan HK$656K · min. income ≈ HK$6,362/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,330
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,419
−HK$91/mo
Today · 4.125%
HK$3,510
baseline
▲ 0.50% · 4.625%
HK$3,695
+HK$185/mo
Deposit HK$656K · loan HK$656K · min. income ≈ HK$7,020/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,592
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,704
−HK$113/mo
Today · 4.125%
HK$3,817
baseline
▲ 0.50% · 4.625%
HK$4,050
+HK$233/mo
Deposit HK$525K · loan HK$788K · min. income ≈ HK$7,634/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,996
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,103
−HK$109/mo
Today · 4.125%
HK$4,212
baseline
▲ 0.50% · 4.625%
HK$4,434
+HK$222/mo
Deposit HK$525K · loan HK$788K · min. income ≈ HK$8,424/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,191
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,321
−HK$133/mo
Today · 4.125%
HK$4,454
baseline
▲ 0.50% · 4.625%
HK$4,725
+HK$271/mo
Deposit HK$394K · loan HK$919K · min. income ≈ HK$8,908/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,662
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,787
−HK$127/mo
Today · 4.125%
HK$4,914
baseline
▲ 0.50% · 4.625%
HK$5,173
+HK$259/mo
Deposit HK$394K · loan HK$919K · min. income ≈ HK$9,828/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,388
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,556
−HK$170/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,074
+HK$348/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,452/mo (50% DSR)
Upfront cash ≈ HK$131K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,994
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,155
−HK$163/mo
Today · 4.125%
HK$6,318
baseline
▲ 0.50% · 4.625%
HK$6,651
+HK$333/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,636/mo (50% DSR)
Upfront cash ≈ HK$131K (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).