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$2,215
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,283
−HK$70/mo
Today · 4.125%
HK$2,353
baseline
▲ 0.50% · 4.625%
HK$2,497
+HK$144/mo
Deposit HK$486K · loan HK$486K · min. income ≈ HK$4,706/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,464
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,530
−HK$67/mo
Today · 4.125%
HK$2,597
baseline
▲ 0.50% · 4.625%
HK$2,734
+HK$137/mo
Deposit HK$486K · loan HK$486K · min. income ≈ HK$5,194/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,657
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,740
−HK$84/mo
Today · 4.125%
HK$2,824
baseline
▲ 0.50% · 4.625%
HK$2,996
+HK$172/mo
Deposit HK$388K · loan HK$583K · min. income ≈ HK$5,648/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,956
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,036
−HK$80/mo
Today · 4.125%
HK$3,116
baseline
▲ 0.50% · 4.625%
HK$3,280
+HK$164/mo
Deposit HK$388K · loan HK$583K · min. income ≈ HK$6,232/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,100
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,197
−HK$98/mo
Today · 4.125%
HK$3,295
baseline
▲ 0.50% · 4.625%
HK$3,495
+HK$200/mo
Deposit HK$291K · loan HK$680K · min. income ≈ HK$6,590/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,449
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,542
−HK$93/mo
Today · 4.125%
HK$3,635
baseline
▲ 0.50% · 4.625%
HK$3,827
+HK$192/mo
Deposit HK$291K · loan HK$680K · min. income ≈ HK$7,270/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,986
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,110
−HK$126/mo
Today · 4.125%
HK$4,236
baseline
▲ 0.50% · 4.625%
HK$4,494
+HK$258/mo
Deposit HK$97K · loan HK$874K · min. income ≈ HK$8,472/mo (50% DSR)
Upfront cash ≈ HK$97K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,435
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,553
−HK$121/mo
Today · 4.125%
HK$4,674
baseline
▲ 0.50% · 4.625%
HK$4,920
+HK$246/mo
Deposit HK$97K · loan HK$874K · min. income ≈ HK$9,348/mo (50% DSR)
Upfront cash ≈ HK$97K (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).