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$2,911
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,001
−HK$92/mo
Today · 4.125%
HK$3,093
baseline
▲ 0.50% · 4.625%
HK$3,282
+HK$189/mo
Deposit HK$638K · loan HK$638K · min. income ≈ HK$6,186/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,238
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,325
−HK$88/mo
Today · 4.125%
HK$3,413
baseline
▲ 0.50% · 4.625%
HK$3,593
+HK$180/mo
Deposit HK$638K · loan HK$638K · min. income ≈ HK$6,826/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,493
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,602
−HK$110/mo
Today · 4.125%
HK$3,712
baseline
▲ 0.50% · 4.625%
HK$3,938
+HK$226/mo
Deposit HK$511K · loan HK$766K · min. income ≈ HK$7,424/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,886
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,990
−HK$106/mo
Today · 4.125%
HK$4,096
baseline
▲ 0.50% · 4.625%
HK$4,312
+HK$216/mo
Deposit HK$511K · loan HK$766K · min. income ≈ HK$8,192/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,075
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,202
−HK$129/mo
Today · 4.125%
HK$4,331
baseline
▲ 0.50% · 4.625%
HK$4,594
+HK$263/mo
Deposit HK$383K · loan HK$894K · min. income ≈ HK$8,662/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,533
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$123/mo
Today · 4.125%
HK$4,778
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$252/mo
Deposit HK$383K · loan HK$894K · min. income ≈ HK$9,556/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,239
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,402
−HK$166/mo
Today · 4.125%
HK$5,568
baseline
▲ 0.50% · 4.625%
HK$5,907
+HK$339/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$11,136/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$5,829
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$159/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,467
+HK$323/mo
Deposit HK$128K · loan HK$1.15M · min. income ≈ HK$12,288/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).