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$2,924
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,015
−HK$92/mo
Today · 4.125%
HK$3,107
baseline
▲ 0.50% · 4.625%
HK$3,296
+HK$189/mo
Deposit HK$641K · loan HK$641K · min. income ≈ HK$6,214/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,252
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,340
−HK$88/mo
Today · 4.125%
HK$3,428
baseline
▲ 0.50% · 4.625%
HK$3,609
+HK$181/mo
Deposit HK$641K · loan HK$641K · min. income ≈ HK$6,856/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,508
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,617
−HK$111/mo
Today · 4.125%
HK$3,728
baseline
▲ 0.50% · 4.625%
HK$3,955
+HK$227/mo
Deposit HK$513K · loan HK$769K · min. income ≈ HK$7,456/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,903
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,008
−HK$106/mo
Today · 4.125%
HK$4,114
baseline
▲ 0.50% · 4.625%
HK$4,331
+HK$217/mo
Deposit HK$513K · loan HK$769K · min. income ≈ HK$8,228/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,093
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,220
−HK$130/mo
Today · 4.125%
HK$4,350
baseline
▲ 0.50% · 4.625%
HK$4,614
+HK$264/mo
Deposit HK$385K · loan HK$897K · min. income ≈ HK$8,700/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$4,553
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,676
−HK$123/mo
Today · 4.125%
HK$4,799
baseline
▲ 0.50% · 4.625%
HK$5,052
+HK$253/mo
Deposit HK$385K · loan HK$897K · min. income ≈ HK$9,598/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$5,262
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,426
−HK$166/mo
Today · 4.125%
HK$5,592
baseline
▲ 0.50% · 4.625%
HK$5,933
+HK$341/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,184/mo (50% DSR)
Upfront cash ≈ HK$128K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,854
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,011
−HK$160/mo
Today · 4.125%
HK$6,171
baseline
▲ 0.50% · 4.625%
HK$6,496
+HK$325/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,342/mo (50% DSR)
Upfront cash ≈ HK$128K (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).