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$2,929
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,020
−HK$93/mo
Today · 4.125%
HK$3,113
baseline
▲ 0.50% · 4.625%
HK$3,302
+HK$189/mo
Deposit HK$642K · loan HK$642K · min. income ≈ HK$6,226/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,259
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,346
−HK$89/mo
Today · 4.125%
HK$3,435
baseline
▲ 0.50% · 4.625%
HK$3,616
+HK$181/mo
Deposit HK$642K · loan HK$642K · min. income ≈ HK$6,870/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,515
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,624
−HK$111/mo
Today · 4.125%
HK$3,735
baseline
▲ 0.50% · 4.625%
HK$3,963
+HK$228/mo
Deposit HK$514K · loan HK$771K · min. income ≈ HK$7,470/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,910
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,015
−HK$107/mo
Today · 4.125%
HK$4,122
baseline
▲ 0.50% · 4.625%
HK$4,339
+HK$217/mo
Deposit HK$514K · loan HK$771K · min. income ≈ HK$8,244/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,101
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,228
−HK$130/mo
Today · 4.125%
HK$4,358
baseline
▲ 0.50% · 4.625%
HK$4,623
+HK$265/mo
Deposit HK$385K · loan HK$899K · min. income ≈ HK$8,716/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,562
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,684
−HK$125/mo
Today · 4.125%
HK$4,809
baseline
▲ 0.50% · 4.625%
HK$5,062
+HK$253/mo
Deposit HK$385K · loan HK$899K · min. income ≈ HK$9,618/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,272
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$167/mo
Today · 4.125%
HK$5,603
baseline
▲ 0.50% · 4.625%
HK$5,944
+HK$341/mo
Deposit HK$128K · loan HK$1.16M · min. income ≈ HK$11,206/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,866
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$159/mo
Today · 4.125%
HK$6,182
baseline
▲ 0.50% · 4.625%
HK$6,508
+HK$326/mo
Deposit HK$128K · loan HK$1.16M · min. income ≈ HK$12,364/mo (50% DSR)
Upfront cash ≈ HK$129K (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).