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$2,394
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,468
−HK$76/mo
Today · 4.125%
HK$2,544
baseline
▲ 0.50% · 4.625%
HK$2,699
+HK$155/mo
Deposit HK$525K · loan HK$525K · min. income ≈ HK$5,088/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,663
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,735
−HK$72/mo
Today · 4.125%
HK$2,807
baseline
▲ 0.50% · 4.625%
HK$2,955
+HK$148/mo
Deposit HK$525K · loan HK$525K · min. income ≈ HK$5,614/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,873
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,962
−HK$91/mo
Today · 4.125%
HK$3,053
baseline
▲ 0.50% · 4.625%
HK$3,239
+HK$186/mo
Deposit HK$420K · loan HK$630K · min. income ≈ HK$6,106/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,196
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,282
−HK$87/mo
Today · 4.125%
HK$3,369
baseline
▲ 0.50% · 4.625%
HK$3,546
+HK$177/mo
Deposit HK$420K · loan HK$630K · min. income ≈ HK$6,738/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,352
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,456
−HK$106/mo
Today · 4.125%
HK$3,562
baseline
▲ 0.50% · 4.625%
HK$3,778
+HK$216/mo
Deposit HK$315K · loan HK$735K · min. income ≈ HK$7,124/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,729
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,829
−HK$101/mo
Today · 4.125%
HK$3,930
baseline
▲ 0.50% · 4.625%
HK$4,137
+HK$207/mo
Deposit HK$315K · loan HK$735K · min. income ≈ HK$7,860/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,309
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,443
−HK$136/mo
Today · 4.125%
HK$4,579
baseline
▲ 0.50% · 4.625%
HK$4,858
+HK$279/mo
Deposit HK$105K · loan HK$945K · min. income ≈ HK$9,158/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,794
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$131/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,319
+HK$266/mo
Deposit HK$105K · loan HK$945K · min. income ≈ HK$10,106/mo (50% DSR)
Upfront cash ≈ HK$105K (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).