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$2,414
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,489
−HK$76/mo
Today · 4.125%
HK$2,565
baseline
▲ 0.50% · 4.625%
HK$2,721
+HK$156/mo
Deposit HK$529K · loan HK$529K · min. income ≈ HK$5,130/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,685
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,757
−HK$73/mo
Today · 4.125%
HK$2,830
baseline
▲ 0.50% · 4.625%
HK$2,980
+HK$150/mo
Deposit HK$529K · loan HK$529K · min. income ≈ HK$5,660/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,897
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,987
−HK$91/mo
Today · 4.125%
HK$3,078
baseline
▲ 0.50% · 4.625%
HK$3,266
+HK$188/mo
Deposit HK$423K · loan HK$635K · min. income ≈ HK$6,156/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,222
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,309
−HK$88/mo
Today · 4.125%
HK$3,397
baseline
▲ 0.50% · 4.625%
HK$3,576
+HK$179/mo
Deposit HK$423K · loan HK$635K · min. income ≈ HK$6,794/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,379
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,485
−HK$106/mo
Today · 4.125%
HK$3,591
baseline
▲ 0.50% · 4.625%
HK$3,810
+HK$219/mo
Deposit HK$318K · loan HK$741K · min. income ≈ HK$7,182/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,760
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,860
−HK$103/mo
Today · 4.125%
HK$3,963
baseline
▲ 0.50% · 4.625%
HK$4,172
+HK$209/mo
Deposit HK$318K · loan HK$741K · min. income ≈ HK$7,926/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,345
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,480
−HK$137/mo
Today · 4.125%
HK$4,617
baseline
▲ 0.50% · 4.625%
HK$4,898
+HK$281/mo
Deposit HK$106K · loan HK$953K · min. income ≈ HK$9,234/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$4,834
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$132/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$268/mo
Deposit HK$106K · loan HK$953K · min. income ≈ HK$10,190/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).