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$2,297
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,369
−HK$72/mo
Today · 4.125%
HK$2,441
baseline
▲ 0.50% · 4.625%
HK$2,590
+HK$149/mo
Deposit HK$504K · loan HK$504K · min. income ≈ HK$4,882/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,556
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,624
−HK$70/mo
Today · 4.125%
HK$2,694
baseline
▲ 0.50% · 4.625%
HK$2,836
+HK$142/mo
Deposit HK$504K · loan HK$504K · min. income ≈ HK$5,388/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,757
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,842
−HK$87/mo
Today · 4.125%
HK$2,929
baseline
▲ 0.50% · 4.625%
HK$3,108
+HK$179/mo
Deposit HK$403K · loan HK$604K · min. income ≈ HK$5,858/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,067
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,149
−HK$83/mo
Today · 4.125%
HK$3,232
baseline
▲ 0.50% · 4.625%
HK$3,403
+HK$171/mo
Deposit HK$403K · loan HK$604K · min. income ≈ HK$6,464/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,216
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,316
−HK$102/mo
Today · 4.125%
HK$3,418
baseline
▲ 0.50% · 4.625%
HK$3,626
+HK$208/mo
Deposit HK$302K · loan HK$705K · min. income ≈ HK$6,836/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,578
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,674
−HK$97/mo
Today · 4.125%
HK$3,771
baseline
▲ 0.50% · 4.625%
HK$3,970
+HK$199/mo
Deposit HK$302K · loan HK$705K · min. income ≈ HK$7,542/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,135
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,263
−HK$131/mo
Today · 4.125%
HK$4,394
baseline
▲ 0.50% · 4.625%
HK$4,662
+HK$268/mo
Deposit HK$101K · loan HK$907K · min. income ≈ HK$8,788/mo (50% DSR)
Upfront cash ≈ HK$101K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,600
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,723
−HK$126/mo
Today · 4.125%
HK$4,849
baseline
▲ 0.50% · 4.625%
HK$5,104
+HK$255/mo
Deposit HK$101K · loan HK$907K · min. income ≈ HK$9,698/mo (50% DSR)
Upfront cash ≈ HK$101K (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).