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$2,179
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,246
−HK$69/mo
Today · 4.125%
HK$2,315
baseline
▲ 0.50% · 4.625%
HK$2,456
+HK$141/mo
Deposit HK$478K · loan HK$478K · min. income ≈ HK$4,630/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,424
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,489
−HK$66/mo
Today · 4.125%
HK$2,555
baseline
▲ 0.50% · 4.625%
HK$2,689
+HK$134/mo
Deposit HK$478K · loan HK$478K · min. income ≈ HK$5,110/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,614
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,696
−HK$82/mo
Today · 4.125%
HK$2,778
baseline
▲ 0.50% · 4.625%
HK$2,947
+HK$169/mo
Deposit HK$382K · loan HK$573K · min. income ≈ HK$5,556/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,908
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,986
−HK$80/mo
Today · 4.125%
HK$3,066
baseline
▲ 0.50% · 4.625%
HK$3,227
+HK$161/mo
Deposit HK$382K · loan HK$573K · min. income ≈ HK$6,132/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,050
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,145
−HK$96/mo
Today · 4.125%
HK$3,241
baseline
▲ 0.50% · 4.625%
HK$3,439
+HK$198/mo
Deposit HK$287K · loan HK$669K · min. income ≈ HK$6,482/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,393
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,484
−HK$92/mo
Today · 4.125%
HK$3,576
baseline
▲ 0.50% · 4.625%
HK$3,765
+HK$189/mo
Deposit HK$287K · loan HK$669K · min. income ≈ HK$7,152/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,921
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,043
−HK$124/mo
Today · 4.125%
HK$4,167
baseline
▲ 0.50% · 4.625%
HK$4,421
+HK$254/mo
Deposit HK$96K · loan HK$860K · min. income ≈ HK$8,334/mo (50% DSR)
Upfront cash ≈ HK$96K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,363
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,480
−HK$118/mo
Today · 4.125%
HK$4,598
baseline
▲ 0.50% · 4.625%
HK$4,841
+HK$243/mo
Deposit HK$96K · loan HK$860K · min. income ≈ HK$9,196/mo (50% DSR)
Upfront cash ≈ HK$96K (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).