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$2,433
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,509
−HK$77/mo
Today · 4.125%
HK$2,586
baseline
▲ 0.50% · 4.625%
HK$2,743
+HK$157/mo
Deposit HK$534K · loan HK$534K · min. income ≈ HK$5,172/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,707
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,779
−HK$74/mo
Today · 4.125%
HK$2,853
baseline
▲ 0.50% · 4.625%
HK$3,003
+HK$150/mo
Deposit HK$534K · loan HK$534K · min. income ≈ HK$5,706/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,920
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,010
−HK$93/mo
Today · 4.125%
HK$3,103
baseline
▲ 0.50% · 4.625%
HK$3,292
+HK$189/mo
Deposit HK$427K · loan HK$640K · min. income ≈ HK$6,206/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,248
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,335
−HK$89/mo
Today · 4.125%
HK$3,424
baseline
▲ 0.50% · 4.625%
HK$3,604
+HK$180/mo
Deposit HK$427K · loan HK$640K · min. income ≈ HK$6,848/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,406
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,512
−HK$108/mo
Today · 4.125%
HK$3,620
baseline
▲ 0.50% · 4.625%
HK$3,840
+HK$220/mo
Deposit HK$320K · loan HK$747K · min. income ≈ HK$7,240/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,789
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,891
−HK$103/mo
Today · 4.125%
HK$3,994
baseline
▲ 0.50% · 4.625%
HK$4,205
+HK$211/mo
Deposit HK$320K · loan HK$747K · min. income ≈ HK$7,988/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,379
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,516
−HK$138/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$283/mo
Deposit HK$107K · loan HK$960K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,003
−HK$132/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,406
+HK$271/mo
Deposit HK$107K · loan HK$960K · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$107K (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).