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$2,341
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,414
−HK$74/mo
Today · 4.125%
HK$2,488
baseline
▲ 0.50% · 4.625%
HK$2,639
+HK$151/mo
Deposit HK$513K · loan HK$513K · min. income ≈ HK$4,976/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,605
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,674
−HK$71/mo
Today · 4.125%
HK$2,745
baseline
▲ 0.50% · 4.625%
HK$2,890
+HK$145/mo
Deposit HK$513K · loan HK$513K · min. income ≈ HK$5,490/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,809
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,897
−HK$89/mo
Today · 4.125%
HK$2,986
baseline
▲ 0.50% · 4.625%
HK$3,167
+HK$181/mo
Deposit HK$411K · loan HK$616K · min. income ≈ HK$5,972/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,125
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,209
−HK$85/mo
Today · 4.125%
HK$3,294
baseline
▲ 0.50% · 4.625%
HK$3,468
+HK$174/mo
Deposit HK$411K · loan HK$616K · min. income ≈ HK$6,588/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,278
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,380
−HK$103/mo
Today · 4.125%
HK$3,483
baseline
▲ 0.50% · 4.625%
HK$3,695
+HK$212/mo
Deposit HK$308K · loan HK$719K · min. income ≈ HK$6,966/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,646
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,744
−HK$99/mo
Today · 4.125%
HK$3,843
baseline
▲ 0.50% · 4.625%
HK$4,046
+HK$203/mo
Deposit HK$308K · loan HK$719K · min. income ≈ HK$7,686/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,214
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,345
−HK$133/mo
Today · 4.125%
HK$4,478
baseline
▲ 0.50% · 4.625%
HK$4,751
+HK$273/mo
Deposit HK$103K · loan HK$924K · min. income ≈ HK$8,956/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$4,688
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,814
−HK$127/mo
Today · 4.125%
HK$4,941
baseline
▲ 0.50% · 4.625%
HK$5,202
+HK$261/mo
Deposit HK$103K · loan HK$924K · min. income ≈ HK$9,882/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).