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$2,143
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,210
−HK$67/mo
Today · 4.125%
HK$2,277
baseline
▲ 0.50% · 4.625%
HK$2,416
+HK$139/mo
Deposit HK$470K · loan HK$470K · min. income ≈ HK$4,554/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,384
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,448
−HK$65/mo
Today · 4.125%
HK$2,513
baseline
▲ 0.50% · 4.625%
HK$2,645
+HK$132/mo
Deposit HK$470K · loan HK$470K · min. income ≈ HK$5,026/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,571
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,651
−HK$82/mo
Today · 4.125%
HK$2,733
baseline
▲ 0.50% · 4.625%
HK$2,899
+HK$166/mo
Deposit HK$376K · loan HK$564K · min. income ≈ HK$5,466/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,861
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,937
−HK$78/mo
Today · 4.125%
HK$3,015
baseline
▲ 0.50% · 4.625%
HK$3,174
+HK$159/mo
Deposit HK$376K · loan HK$564K · min. income ≈ HK$6,030/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,000
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,093
−HK$95/mo
Today · 4.125%
HK$3,188
baseline
▲ 0.50% · 4.625%
HK$3,382
+HK$194/mo
Deposit HK$282K · loan HK$658K · min. income ≈ HK$6,376/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,338
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,427
−HK$91/mo
Today · 4.125%
HK$3,518
baseline
▲ 0.50% · 4.625%
HK$3,703
+HK$185/mo
Deposit HK$282K · loan HK$658K · min. income ≈ HK$7,036/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,857
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,977
−HK$122/mo
Today · 4.125%
HK$4,099
baseline
▲ 0.50% · 4.625%
HK$4,349
+HK$250/mo
Deposit HK$94K · loan HK$846K · min. income ≈ HK$8,198/mo (50% DSR)
Upfront cash ≈ HK$94K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,291
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$117/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,761
+HK$238/mo
Deposit HK$94K · loan HK$846K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$94K (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).