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$1,857
−HK$116/mo
▼ 0.25% · 3.875%
HK$1,915
−HK$58/mo
Today · 4.125%
HK$1,973
baseline
▲ 0.50% · 4.625%
HK$2,093
+HK$120/mo
Deposit HK$407K · loan HK$407K · min. income ≈ HK$3,946/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,066
−HK$111/mo
▼ 0.25% · 3.875%
HK$2,121
−HK$56/mo
Today · 4.125%
HK$2,177
baseline
▲ 0.50% · 4.625%
HK$2,292
+HK$115/mo
Deposit HK$407K · loan HK$407K · min. income ≈ HK$4,354/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,228
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,297
−HK$71/mo
Today · 4.125%
HK$2,368
baseline
▲ 0.50% · 4.625%
HK$2,512
+HK$144/mo
Deposit HK$326K · loan HK$489K · min. income ≈ HK$4,736/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,479
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,545
−HK$68/mo
Today · 4.125%
HK$2,613
baseline
▲ 0.50% · 4.625%
HK$2,750
+HK$137/mo
Deposit HK$326K · loan HK$489K · min. income ≈ HK$5,226/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,600
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,680
−HK$83/mo
Today · 4.125%
HK$2,763
baseline
▲ 0.50% · 4.625%
HK$2,931
+HK$168/mo
Deposit HK$244K · loan HK$570K · min. income ≈ HK$5,526/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,892
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,970
−HK$78/mo
Today · 4.125%
HK$3,048
baseline
▲ 0.50% · 4.625%
HK$3,209
+HK$161/mo
Deposit HK$244K · loan HK$570K · min. income ≈ HK$6,096/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,342
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,446
−HK$106/mo
Today · 4.125%
HK$3,552
baseline
▲ 0.50% · 4.625%
HK$3,768
+HK$216/mo
Deposit HK$81K · loan HK$733K · min. income ≈ HK$7,104/mo (50% DSR)
Upfront cash ≈ HK$82K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,718
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,818
−HK$101/mo
Today · 4.125%
HK$3,919
baseline
▲ 0.50% · 4.625%
HK$4,126
+HK$207/mo
Deposit HK$81K · loan HK$733K · min. income ≈ HK$7,838/mo (50% DSR)
Upfront cash ≈ HK$82K (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).