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$2,366
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,440
−HK$75/mo
Today · 4.125%
HK$2,515
baseline
▲ 0.50% · 4.625%
HK$2,668
+HK$153/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,030/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,633
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,703
−HK$72/mo
Today · 4.125%
HK$2,775
baseline
▲ 0.50% · 4.625%
HK$2,921
+HK$146/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,550/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,840
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,928
−HK$90/mo
Today · 4.125%
HK$3,018
baseline
▲ 0.50% · 4.625%
HK$3,202
+HK$184/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,036/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,159
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,244
−HK$86/mo
Today · 4.125%
HK$3,330
baseline
▲ 0.50% · 4.625%
HK$3,505
+HK$175/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,660/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,313
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,416
−HK$105/mo
Today · 4.125%
HK$3,521
baseline
▲ 0.50% · 4.625%
HK$3,735
+HK$214/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,042/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,686
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,785
−HK$100/mo
Today · 4.125%
HK$3,885
baseline
▲ 0.50% · 4.625%
HK$4,090
+HK$205/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,770/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,260
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,392
−HK$135/mo
Today · 4.125%
HK$4,527
baseline
▲ 0.50% · 4.625%
HK$4,802
+HK$275/mo
Deposit HK$104K · loan HK$934K · min. income ≈ HK$9,054/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,739
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,866
−HK$129/mo
Today · 4.125%
HK$4,995
baseline
▲ 0.50% · 4.625%
HK$5,258
+HK$263/mo
Deposit HK$104K · loan HK$934K · min. income ≈ HK$9,990/mo (50% DSR)
Upfront cash ≈ HK$104K (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).