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$2,261
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,331
−HK$72/mo
Today · 4.125%
HK$2,403
baseline
▲ 0.50% · 4.625%
HK$2,549
+HK$146/mo
Deposit HK$496K · loan HK$496K · min. income ≈ HK$4,806/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,515
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,583
−HK$68/mo
Today · 4.125%
HK$2,651
baseline
▲ 0.50% · 4.625%
HK$2,791
+HK$140/mo
Deposit HK$496K · loan HK$496K · min. income ≈ HK$5,302/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,713
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,797
−HK$86/mo
Today · 4.125%
HK$2,883
baseline
▲ 0.50% · 4.625%
HK$3,058
+HK$175/mo
Deposit HK$397K · loan HK$595K · min. income ≈ HK$5,766/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,018
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,099
−HK$82/mo
Today · 4.125%
HK$3,181
baseline
▲ 0.50% · 4.625%
HK$3,349
+HK$168/mo
Deposit HK$397K · loan HK$595K · min. income ≈ HK$6,362/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,165
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,264
−HK$100/mo
Today · 4.125%
HK$3,364
baseline
▲ 0.50% · 4.625%
HK$3,568
+HK$204/mo
Deposit HK$297K · loan HK$694K · min. income ≈ HK$6,728/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,521
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,616
−HK$95/mo
Today · 4.125%
HK$3,711
baseline
▲ 0.50% · 4.625%
HK$3,907
+HK$196/mo
Deposit HK$297K · loan HK$694K · min. income ≈ HK$7,422/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,069
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,196
−HK$129/mo
Today · 4.125%
HK$4,325
baseline
▲ 0.50% · 4.625%
HK$4,588
+HK$263/mo
Deposit HK$99K · loan HK$892K · min. income ≈ HK$8,650/mo (50% DSR)
Upfront cash ≈ HK$99K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,527
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,649
−HK$123/mo
Today · 4.125%
HK$4,772
baseline
▲ 0.50% · 4.625%
HK$5,023
+HK$251/mo
Deposit HK$99K · loan HK$892K · min. income ≈ HK$9,544/mo (50% DSR)
Upfront cash ≈ HK$99K (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).