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$2,332
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,405
−HK$73/mo
Today · 4.125%
HK$2,478
baseline
▲ 0.50% · 4.625%
HK$2,629
+HK$151/mo
Deposit HK$511K · loan HK$511K · min. income ≈ HK$4,956/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,595
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,664
−HK$71/mo
Today · 4.125%
HK$2,735
baseline
▲ 0.50% · 4.625%
HK$2,879
+HK$144/mo
Deposit HK$511K · loan HK$511K · min. income ≈ HK$5,470/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,799
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,886
−HK$88/mo
Today · 4.125%
HK$2,974
baseline
▲ 0.50% · 4.625%
HK$3,155
+HK$181/mo
Deposit HK$409K · loan HK$614K · min. income ≈ HK$5,948/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,113
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,197
−HK$85/mo
Today · 4.125%
HK$3,282
baseline
▲ 0.50% · 4.625%
HK$3,455
+HK$173/mo
Deposit HK$409K · loan HK$614K · min. income ≈ HK$6,564/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,265
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,367
−HK$103/mo
Today · 4.125%
HK$3,470
baseline
▲ 0.50% · 4.625%
HK$3,681
+HK$211/mo
Deposit HK$307K · loan HK$716K · min. income ≈ HK$6,940/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,632
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,730
−HK$99/mo
Today · 4.125%
HK$3,829
baseline
▲ 0.50% · 4.625%
HK$4,030
+HK$201/mo
Deposit HK$307K · loan HK$716K · min. income ≈ HK$7,658/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,198
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,329
−HK$132/mo
Today · 4.125%
HK$4,461
baseline
▲ 0.50% · 4.625%
HK$4,733
+HK$272/mo
Deposit HK$102K · loan HK$921K · min. income ≈ HK$8,922/mo (50% DSR)
Upfront cash ≈ HK$102K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,670
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,795
−HK$128/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,182
+HK$259/mo
Deposit HK$102K · loan HK$921K · min. income ≈ HK$9,846/mo (50% DSR)
Upfront cash ≈ HK$102K (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).