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$2,020
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,083
−HK$63/mo
Today · 4.125%
HK$2,146
baseline
▲ 0.50% · 4.625%
HK$2,277
+HK$131/mo
Deposit HK$443K · loan HK$443K · min. income ≈ HK$4,292/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,247
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,307
−HK$61/mo
Today · 4.125%
HK$2,368
baseline
▲ 0.50% · 4.625%
HK$2,493
+HK$125/mo
Deposit HK$443K · loan HK$443K · min. income ≈ HK$4,736/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,424
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,499
−HK$77/mo
Today · 4.125%
HK$2,576
baseline
▲ 0.50% · 4.625%
HK$2,732
+HK$156/mo
Deposit HK$354K · loan HK$531K · min. income ≈ HK$5,152/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,696
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,769
−HK$73/mo
Today · 4.125%
HK$2,842
baseline
▲ 0.50% · 4.625%
HK$2,992
+HK$150/mo
Deposit HK$354K · loan HK$531K · min. income ≈ HK$5,684/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,828
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,916
−HK$89/mo
Today · 4.125%
HK$3,005
baseline
▲ 0.50% · 4.625%
HK$3,188
+HK$183/mo
Deposit HK$266K · loan HK$620K · min. income ≈ HK$6,010/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,146
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,230
−HK$86/mo
Today · 4.125%
HK$3,316
baseline
▲ 0.50% · 4.625%
HK$3,490
+HK$174/mo
Deposit HK$266K · loan HK$620K · min. income ≈ HK$6,632/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,635
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,749
−HK$114/mo
Today · 4.125%
HK$3,863
baseline
▲ 0.50% · 4.625%
HK$4,099
+HK$236/mo
Deposit HK$89K · loan HK$797K · min. income ≈ HK$7,726/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$4,044
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,153
−HK$110/mo
Today · 4.125%
HK$4,263
baseline
▲ 0.50% · 4.625%
HK$4,488
+HK$225/mo
Deposit HK$89K · loan HK$797K · min. income ≈ HK$8,526/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).