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$2,002
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,065
−HK$63/mo
Today · 4.125%
HK$2,128
baseline
▲ 0.50% · 4.625%
HK$2,257
+HK$129/mo
Deposit HK$439K · loan HK$439K · min. income ≈ HK$4,256/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,227
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,287
−HK$61/mo
Today · 4.125%
HK$2,348
baseline
▲ 0.50% · 4.625%
HK$2,472
+HK$124/mo
Deposit HK$439K · loan HK$439K · min. income ≈ HK$4,696/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,403
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,477
−HK$76/mo
Today · 4.125%
HK$2,553
baseline
▲ 0.50% · 4.625%
HK$2,709
+HK$156/mo
Deposit HK$351K · loan HK$527K · min. income ≈ HK$5,106/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,673
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,745
−HK$72/mo
Today · 4.125%
HK$2,817
baseline
▲ 0.50% · 4.625%
HK$2,966
+HK$149/mo
Deposit HK$351K · loan HK$527K · min. income ≈ HK$5,634/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,803
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,890
−HK$89/mo
Today · 4.125%
HK$2,979
baseline
▲ 0.50% · 4.625%
HK$3,160
+HK$181/mo
Deposit HK$263K · loan HK$615K · min. income ≈ HK$5,958/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,118
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,202
−HK$85/mo
Today · 4.125%
HK$3,287
baseline
▲ 0.50% · 4.625%
HK$3,460
+HK$173/mo
Deposit HK$263K · loan HK$615K · min. income ≈ HK$6,574/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,604
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,716
−HK$114/mo
Today · 4.125%
HK$3,830
baseline
▲ 0.50% · 4.625%
HK$4,063
+HK$233/mo
Deposit HK$88K · loan HK$790K · min. income ≈ HK$7,660/mo (50% DSR)
Upfront cash ≈ HK$88K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,009
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,117
−HK$109/mo
Today · 4.125%
HK$4,226
baseline
▲ 0.50% · 4.625%
HK$4,449
+HK$223/mo
Deposit HK$88K · loan HK$790K · min. income ≈ HK$8,452/mo (50% DSR)
Upfront cash ≈ HK$88K (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).