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$2,422
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,498
−HK$76/mo
Today · 4.125%
HK$2,574
baseline
▲ 0.50% · 4.625%
HK$2,731
+HK$157/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,148/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,695
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,767
−HK$73/mo
Today · 4.125%
HK$2,840
baseline
▲ 0.50% · 4.625%
HK$2,990
+HK$150/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,680/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,907
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,997
−HK$92/mo
Today · 4.125%
HK$3,089
baseline
▲ 0.50% · 4.625%
HK$3,277
+HK$188/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,178/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,234
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,320
−HK$88/mo
Today · 4.125%
HK$3,408
baseline
▲ 0.50% · 4.625%
HK$3,588
+HK$180/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,816/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,391
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,497
−HK$107/mo
Today · 4.125%
HK$3,604
baseline
▲ 0.50% · 4.625%
HK$3,823
+HK$219/mo
Deposit HK$319K · loan HK$744K · min. income ≈ HK$7,208/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,773
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,874
−HK$103/mo
Today · 4.125%
HK$3,977
baseline
▲ 0.50% · 4.625%
HK$4,186
+HK$209/mo
Deposit HK$319K · loan HK$744K · min. income ≈ HK$7,954/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,360
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,496
−HK$138/mo
Today · 4.125%
HK$4,634
baseline
▲ 0.50% · 4.625%
HK$4,916
+HK$282/mo
Deposit HK$106K · loan HK$956K · min. income ≈ HK$9,268/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,851
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,981
−HK$132/mo
Today · 4.125%
HK$5,113
baseline
▲ 0.50% · 4.625%
HK$5,382
+HK$269/mo
Deposit HK$106K · loan HK$956K · min. income ≈ HK$10,226/mo (50% DSR)
Upfront cash ≈ HK$106K (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).