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$1,545
−HK$96/mo
▼ 0.25% · 3.875%
HK$1,593
−HK$48/mo
Today · 4.125%
HK$1,641
baseline
▲ 0.50% · 4.625%
HK$1,741
+HK$100/mo
Deposit HK$339K · loan HK$339K · min. income ≈ HK$3,282/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,718
−HK$93/mo
▼ 0.25% · 3.875%
HK$1,764
−HK$47/mo
Today · 4.125%
HK$1,811
baseline
▲ 0.50% · 4.625%
HK$1,907
+HK$96/mo
Deposit HK$339K · loan HK$339K · min. income ≈ HK$3,622/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,854
−HK$116/mo
▼ 0.25% · 3.875%
HK$1,911
−HK$59/mo
Today · 4.125%
HK$1,970
baseline
▲ 0.50% · 4.625%
HK$2,090
+HK$120/mo
Deposit HK$271K · loan HK$406K · min. income ≈ HK$3,940/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,062
−HK$111/mo
▼ 0.25% · 3.875%
HK$2,117
−HK$56/mo
Today · 4.125%
HK$2,173
baseline
▲ 0.50% · 4.625%
HK$2,288
+HK$115/mo
Deposit HK$271K · loan HK$406K · min. income ≈ HK$4,346/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,162
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,230
−HK$68/mo
Today · 4.125%
HK$2,298
baseline
▲ 0.50% · 4.625%
HK$2,438
+HK$140/mo
Deposit HK$203K · loan HK$474K · min. income ≈ HK$4,596/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,406
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,470
−HK$66/mo
Today · 4.125%
HK$2,536
baseline
▲ 0.50% · 4.625%
HK$2,669
+HK$133/mo
Deposit HK$203K · loan HK$474K · min. income ≈ HK$5,072/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,780
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,867
−HK$88/mo
Today · 4.125%
HK$2,955
baseline
▲ 0.50% · 4.625%
HK$3,134
+HK$179/mo
Deposit HK$68K · loan HK$610K · min. income ≈ HK$5,910/mo (50% DSR)
Upfront cash ≈ HK$68K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,093
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,176
−HK$84/mo
Today · 4.125%
HK$3,260
baseline
▲ 0.50% · 4.625%
HK$3,432
+HK$172/mo
Deposit HK$68K · loan HK$610K · min. income ≈ HK$6,520/mo (50% DSR)
Upfront cash ≈ HK$68K (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).