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$2,353
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,426
−HK$75/mo
Today · 4.125%
HK$2,501
baseline
▲ 0.50% · 4.625%
HK$2,653
+HK$152/mo
Deposit HK$516K · loan HK$516K · min. income ≈ HK$5,002/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,618
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,688
−HK$71/mo
Today · 4.125%
HK$2,759
baseline
▲ 0.50% · 4.625%
HK$2,905
+HK$146/mo
Deposit HK$516K · loan HK$516K · min. income ≈ HK$5,518/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,824
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,912
−HK$89/mo
Today · 4.125%
HK$3,001
baseline
▲ 0.50% · 4.625%
HK$3,183
+HK$182/mo
Deposit HK$413K · loan HK$619K · min. income ≈ HK$6,002/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,141
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,226
−HK$85/mo
Today · 4.125%
HK$3,311
baseline
▲ 0.50% · 4.625%
HK$3,486
+HK$175/mo
Deposit HK$413K · loan HK$619K · min. income ≈ HK$6,622/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,294
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,397
−HK$104/mo
Today · 4.125%
HK$3,501
baseline
▲ 0.50% · 4.625%
HK$3,714
+HK$213/mo
Deposit HK$310K · loan HK$722K · min. income ≈ HK$7,002/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$3,665
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,763
−HK$100/mo
Today · 4.125%
HK$3,863
baseline
▲ 0.50% · 4.625%
HK$4,067
+HK$204/mo
Deposit HK$310K · loan HK$722K · min. income ≈ HK$7,726/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$4,236
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,367
−HK$134/mo
Today · 4.125%
HK$4,501
baseline
▲ 0.50% · 4.625%
HK$4,775
+HK$274/mo
Deposit HK$103K · loan HK$929K · min. income ≈ HK$9,002/mo (50% DSR)
Upfront cash ≈ HK$103K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,712
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,839
−HK$128/mo
Today · 4.125%
HK$4,967
baseline
▲ 0.50% · 4.625%
HK$5,229
+HK$262/mo
Deposit HK$103K · loan HK$929K · min. income ≈ HK$9,934/mo (50% DSR)
Upfront cash ≈ HK$103K (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).