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$2,028
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,091
−HK$64/mo
Today · 4.125%
HK$2,155
baseline
▲ 0.50% · 4.625%
HK$2,287
+HK$132/mo
Deposit HK$445K · loan HK$445K · min. income ≈ HK$4,310/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,256
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,317
−HK$61/mo
Today · 4.125%
HK$2,378
baseline
▲ 0.50% · 4.625%
HK$2,504
+HK$126/mo
Deposit HK$445K · loan HK$445K · min. income ≈ HK$4,756/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,434
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,510
−HK$77/mo
Today · 4.125%
HK$2,587
baseline
▲ 0.50% · 4.625%
HK$2,744
+HK$157/mo
Deposit HK$356K · loan HK$534K · min. income ≈ HK$5,174/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,708
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,780
−HK$74/mo
Today · 4.125%
HK$2,854
baseline
▲ 0.50% · 4.625%
HK$3,004
+HK$150/mo
Deposit HK$356K · loan HK$534K · min. income ≈ HK$5,708/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,840
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,928
−HK$90/mo
Today · 4.125%
HK$3,018
baseline
▲ 0.50% · 4.625%
HK$3,201
+HK$183/mo
Deposit HK$267K · loan HK$623K · min. income ≈ HK$6,036/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,159
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,244
−HK$86/mo
Today · 4.125%
HK$3,330
baseline
▲ 0.50% · 4.625%
HK$3,505
+HK$175/mo
Deposit HK$267K · loan HK$623K · min. income ≈ HK$6,660/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,651
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,764
−HK$116/mo
Today · 4.125%
HK$3,880
baseline
▲ 0.50% · 4.625%
HK$4,116
+HK$236/mo
Deposit HK$89K · loan HK$801K · min. income ≈ HK$7,760/mo (50% DSR)
Upfront cash ≈ HK$89K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,062
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,171
−HK$110/mo
Today · 4.125%
HK$4,281
baseline
▲ 0.50% · 4.625%
HK$4,507
+HK$226/mo
Deposit HK$89K · loan HK$801K · min. income ≈ HK$8,562/mo (50% DSR)
Upfront cash ≈ HK$89K (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).