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$2,302
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,374
−HK$73/mo
Today · 4.125%
HK$2,447
baseline
▲ 0.50% · 4.625%
HK$2,595
+HK$148/mo
Deposit HK$505K · loan HK$505K · min. income ≈ HK$4,894/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,561
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,630
−HK$70/mo
Today · 4.125%
HK$2,700
baseline
▲ 0.50% · 4.625%
HK$2,842
+HK$142/mo
Deposit HK$505K · loan HK$505K · min. income ≈ HK$5,400/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,763
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,849
−HK$87/mo
Today · 4.125%
HK$2,936
baseline
▲ 0.50% · 4.625%
HK$3,115
+HK$179/mo
Deposit HK$404K · loan HK$606K · min. income ≈ HK$5,872/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,073
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,156
−HK$83/mo
Today · 4.125%
HK$3,239
baseline
▲ 0.50% · 4.625%
HK$3,410
+HK$171/mo
Deposit HK$404K · loan HK$606K · min. income ≈ HK$6,478/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,223
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,323
−HK$102/mo
Today · 4.125%
HK$3,425
baseline
▲ 0.50% · 4.625%
HK$3,634
+HK$209/mo
Deposit HK$303K · loan HK$707K · min. income ≈ HK$6,850/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,586
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,682
−HK$97/mo
Today · 4.125%
HK$3,779
baseline
▲ 0.50% · 4.625%
HK$3,979
+HK$200/mo
Deposit HK$303K · loan HK$707K · min. income ≈ HK$7,558/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,144
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,273
−HK$131/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,672
+HK$268/mo
Deposit HK$101K · loan HK$909K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$101K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,610
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$125/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$256/mo
Deposit HK$101K · loan HK$909K · min. income ≈ HK$9,718/mo (50% DSR)
Upfront cash ≈ HK$101K (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).