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$2,323
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,395
−HK$74/mo
Today · 4.125%
HK$2,469
baseline
▲ 0.50% · 4.625%
HK$2,619
+HK$150/mo
Deposit HK$509K · loan HK$509K · min. income ≈ HK$4,938/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,584
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,653
−HK$71/mo
Today · 4.125%
HK$2,724
baseline
▲ 0.50% · 4.625%
HK$2,867
+HK$143/mo
Deposit HK$509K · loan HK$509K · min. income ≈ HK$5,448/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,787
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,874
−HK$88/mo
Today · 4.125%
HK$2,962
baseline
▲ 0.50% · 4.625%
HK$3,142
+HK$180/mo
Deposit HK$407K · loan HK$611K · min. income ≈ HK$5,924/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,101
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,184
−HK$85/mo
Today · 4.125%
HK$3,269
baseline
▲ 0.50% · 4.625%
HK$3,441
+HK$172/mo
Deposit HK$407K · loan HK$611K · min. income ≈ HK$6,538/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,252
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,353
−HK$103/mo
Today · 4.125%
HK$3,456
baseline
▲ 0.50% · 4.625%
HK$3,666
+HK$210/mo
Deposit HK$306K · loan HK$713K · min. income ≈ HK$6,912/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,618
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,715
−HK$98/mo
Today · 4.125%
HK$3,813
baseline
▲ 0.50% · 4.625%
HK$4,014
+HK$201/mo
Deposit HK$306K · loan HK$713K · min. income ≈ HK$7,626/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,181
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,311
−HK$132/mo
Today · 4.125%
HK$4,443
baseline
▲ 0.50% · 4.625%
HK$4,714
+HK$271/mo
Deposit HK$102K · loan HK$917K · min. income ≈ HK$8,886/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$4,651
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$127/mo
Today · 4.125%
HK$4,903
baseline
▲ 0.50% · 4.625%
HK$5,161
+HK$258/mo
Deposit HK$102K · loan HK$917K · min. income ≈ HK$9,806/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).