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$2,088
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,153
−HK$66/mo
Today · 4.125%
HK$2,219
baseline
▲ 0.50% · 4.625%
HK$2,354
+HK$135/mo
Deposit HK$458K · loan HK$458K · min. income ≈ HK$4,438/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,323
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,385
−HK$64/mo
Today · 4.125%
HK$2,449
baseline
▲ 0.50% · 4.625%
HK$2,578
+HK$129/mo
Deposit HK$458K · loan HK$458K · min. income ≈ HK$4,898/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,506
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,584
−HK$79/mo
Today · 4.125%
HK$2,663
baseline
▲ 0.50% · 4.625%
HK$2,825
+HK$162/mo
Deposit HK$366K · loan HK$549K · min. income ≈ HK$5,326/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,788
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,862
−HK$76/mo
Today · 4.125%
HK$2,938
baseline
▲ 0.50% · 4.625%
HK$3,093
+HK$155/mo
Deposit HK$366K · loan HK$549K · min. income ≈ HK$5,876/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,923
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,014
−HK$93/mo
Today · 4.125%
HK$3,107
baseline
▲ 0.50% · 4.625%
HK$3,296
+HK$189/mo
Deposit HK$275K · loan HK$641K · min. income ≈ HK$6,214/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,252
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,340
−HK$88/mo
Today · 4.125%
HK$3,428
baseline
▲ 0.50% · 4.625%
HK$3,609
+HK$181/mo
Deposit HK$275K · loan HK$641K · min. income ≈ HK$6,856/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,759
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,876
−HK$118/mo
Today · 4.125%
HK$3,994
baseline
▲ 0.50% · 4.625%
HK$4,238
+HK$244/mo
Deposit HK$92K · loan HK$824K · min. income ≈ HK$7,988/mo (50% DSR)
Upfront cash ≈ HK$92K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,182
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,294
−HK$114/mo
Today · 4.125%
HK$4,408
baseline
▲ 0.50% · 4.625%
HK$4,640
+HK$232/mo
Deposit HK$92K · loan HK$824K · min. income ≈ HK$8,816/mo (50% DSR)
Upfront cash ≈ HK$92K (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).