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$2,272
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,343
−HK$72/mo
Today · 4.125%
HK$2,415
baseline
▲ 0.50% · 4.625%
HK$2,562
+HK$147/mo
Deposit HK$498K · loan HK$498K · min. income ≈ HK$4,830/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,528
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,596
−HK$69/mo
Today · 4.125%
HK$2,665
baseline
▲ 0.50% · 4.625%
HK$2,805
+HK$140/mo
Deposit HK$498K · loan HK$498K · min. income ≈ HK$5,330/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,727
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,812
−HK$86/mo
Today · 4.125%
HK$2,898
baseline
▲ 0.50% · 4.625%
HK$3,074
+HK$176/mo
Deposit HK$399K · loan HK$598K · min. income ≈ HK$5,796/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,034
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,115
−HK$83/mo
Today · 4.125%
HK$3,198
baseline
▲ 0.50% · 4.625%
HK$3,366
+HK$168/mo
Deposit HK$399K · loan HK$598K · min. income ≈ HK$6,396/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,181
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,280
−HK$101/mo
Today · 4.125%
HK$3,381
baseline
▲ 0.50% · 4.625%
HK$3,587
+HK$206/mo
Deposit HK$299K · loan HK$698K · min. income ≈ HK$6,762/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,539
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,634
−HK$97/mo
Today · 4.125%
HK$3,731
baseline
▲ 0.50% · 4.625%
HK$3,927
+HK$196/mo
Deposit HK$299K · loan HK$698K · min. income ≈ HK$7,462/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,090
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,218
−HK$129/mo
Today · 4.125%
HK$4,347
baseline
▲ 0.50% · 4.625%
HK$4,611
+HK$264/mo
Deposit HK$100K · loan HK$897K · min. income ≈ HK$8,694/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,551
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,673
−HK$123/mo
Today · 4.125%
HK$4,796
baseline
▲ 0.50% · 4.625%
HK$5,049
+HK$253/mo
Deposit HK$100K · loan HK$897K · min. income ≈ HK$9,592/mo (50% DSR)
Upfront cash ≈ HK$100K (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).