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$2,941
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,033
−HK$93/mo
Today · 4.125%
HK$3,126
baseline
▲ 0.50% · 4.625%
HK$3,316
+HK$190/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,252/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,272
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,360
−HK$89/mo
Today · 4.125%
HK$3,449
baseline
▲ 0.50% · 4.625%
HK$3,631
+HK$182/mo
Deposit HK$645K · loan HK$645K · min. income ≈ HK$6,898/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,529
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,639
−HK$112/mo
Today · 4.125%
HK$3,751
baseline
▲ 0.50% · 4.625%
HK$3,979
+HK$228/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$7,502/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,926
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,032
−HK$106/mo
Today · 4.125%
HK$4,138
baseline
▲ 0.50% · 4.625%
HK$4,357
+HK$219/mo
Deposit HK$516K · loan HK$774K · min. income ≈ HK$8,276/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,118
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,246
−HK$130/mo
Today · 4.125%
HK$4,376
baseline
▲ 0.50% · 4.625%
HK$4,642
+HK$266/mo
Deposit HK$387K · loan HK$903K · min. income ≈ HK$8,752/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,581
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,704
−HK$124/mo
Today · 4.125%
HK$4,828
baseline
▲ 0.50% · 4.625%
HK$5,083
+HK$255/mo
Deposit HK$387K · loan HK$903K · min. income ≈ HK$9,656/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,294
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$167/mo
Today · 4.125%
HK$5,626
baseline
▲ 0.50% · 4.625%
HK$5,968
+HK$342/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,252/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$5,890
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$160/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,416/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).