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$1,571
−HK$99/mo
▼ 0.25% · 3.875%
HK$1,620
−HK$50/mo
Today · 4.125%
HK$1,670
baseline
▲ 0.50% · 4.625%
HK$1,771
+HK$101/mo
Deposit HK$345K · loan HK$345K · min. income ≈ HK$3,340/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,748
−HK$94/mo
▼ 0.25% · 3.875%
HK$1,795
−HK$47/mo
Today · 4.125%
HK$1,842
baseline
▲ 0.50% · 4.625%
HK$1,940
+HK$98/mo
Deposit HK$345K · loan HK$345K · min. income ≈ HK$3,684/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,886
−HK$118/mo
▼ 0.25% · 3.875%
HK$1,944
−HK$60/mo
Today · 4.125%
HK$2,004
baseline
▲ 0.50% · 4.625%
HK$2,126
+HK$122/mo
Deposit HK$276K · loan HK$413K · min. income ≈ HK$4,008/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,098
−HK$113/mo
▼ 0.25% · 3.875%
HK$2,154
−HK$57/mo
Today · 4.125%
HK$2,211
baseline
▲ 0.50% · 4.625%
HK$2,328
+HK$117/mo
Deposit HK$276K · loan HK$413K · min. income ≈ HK$4,422/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,200
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,268
−HK$70/mo
Today · 4.125%
HK$2,338
baseline
▲ 0.50% · 4.625%
HK$2,480
+HK$142/mo
Deposit HK$207K · loan HK$482K · min. income ≈ HK$4,676/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,447
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,513
−HK$66/mo
Today · 4.125%
HK$2,579
baseline
▲ 0.50% · 4.625%
HK$2,715
+HK$136/mo
Deposit HK$207K · loan HK$482K · min. income ≈ HK$5,158/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,828
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,916
−HK$90/mo
Today · 4.125%
HK$3,006
baseline
▲ 0.50% · 4.625%
HK$3,189
+HK$183/mo
Deposit HK$69K · loan HK$620K · min. income ≈ HK$6,012/mo (50% DSR)
Upfront cash ≈ HK$69K (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$3,231
−HK$85/mo
Today · 4.125%
HK$3,316
baseline
▲ 0.50% · 4.625%
HK$3,491
+HK$175/mo
Deposit HK$69K · loan HK$620K · min. income ≈ HK$6,632/mo (50% DSR)
Upfront cash ≈ HK$69K (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).