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$1,767
−HK$111/mo
▼ 0.25% · 3.875%
HK$1,822
−HK$56/mo
Today · 4.125%
HK$1,878
baseline
▲ 0.50% · 4.625%
HK$1,992
+HK$114/mo
Deposit HK$387K · loan HK$387K · min. income ≈ HK$3,756/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,966
−HK$106/mo
▼ 0.25% · 3.875%
HK$2,018
−HK$54/mo
Today · 4.125%
HK$2,072
baseline
▲ 0.50% · 4.625%
HK$2,181
+HK$109/mo
Deposit HK$387K · loan HK$387K · min. income ≈ HK$4,144/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,120
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,186
−HK$67/mo
Today · 4.125%
HK$2,253
baseline
▲ 0.50% · 4.625%
HK$2,390
+HK$137/mo
Deposit HK$310K · loan HK$465K · min. income ≈ HK$4,506/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,359
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,422
−HK$64/mo
Today · 4.125%
HK$2,486
baseline
▲ 0.50% · 4.625%
HK$2,617
+HK$131/mo
Deposit HK$310K · loan HK$465K · min. income ≈ HK$4,972/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,474
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,551
−HK$78/mo
Today · 4.125%
HK$2,629
baseline
▲ 0.50% · 4.625%
HK$2,789
+HK$160/mo
Deposit HK$232K · loan HK$542K · min. income ≈ HK$5,258/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,752
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,826
−HK$75/mo
Today · 4.125%
HK$2,901
baseline
▲ 0.50% · 4.625%
HK$3,054
+HK$153/mo
Deposit HK$232K · loan HK$542K · min. income ≈ HK$5,802/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,181
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,280
−HK$100/mo
Today · 4.125%
HK$3,380
baseline
▲ 0.50% · 4.625%
HK$3,586
+HK$206/mo
Deposit HK$77K · loan HK$697K · min. income ≈ HK$6,760/mo (50% DSR)
Upfront cash ≈ HK$78K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,538
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,633
−HK$97/mo
Today · 4.125%
HK$3,730
baseline
▲ 0.50% · 4.625%
HK$3,926
+HK$196/mo
Deposit HK$77K · loan HK$697K · min. income ≈ HK$7,460/mo (50% DSR)
Upfront cash ≈ HK$78K (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).