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Compare HIBOR vs P-Plan, see monthly payment instantly.
HIBOR 1M 3.45% · P 5.625% · 2026-06-07
HK$8M
40%
30 years
Loan amount (HK$)
HK$4.8M
Monthly payment (Lowest)
HK$22,640
Citibank HK
Total interest
HK$3,350,427
Bank Mortgage Comparison
Citibank HK
Premium clients
HK$22,640
3.90% · rebate 1.2%
Standard Chartered HK
Lowest HIBOR spread
HK$22,778
3.95% · rebate 1.4%
HSBC HK
Bank-grade trust
HK$22,916
4.00% · rebate 1.5%
Hang Seng Bank
Local familiarity
HK$22,916
4.00% · rebate 1.8%
BOC Hong Kong
Highest cash rebate
HK$23,055
4.05% · rebate 2.1%
Frequently asked
HIBOR Plan tracks the interbank rate — usually lower at start, but more volatile. P-Plan uses the bank's prime rate minus a discount — more predictable, capped at a 'cap rate' so you know the max. Conservative borrowers + first-time buyers often prefer P-Plan; sophisticated borrowers chase the lower HIBOR.