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$2,502
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,580
−HK$79/mo
Today · 4.125%
HK$2,659
baseline
▲ 0.50% · 4.625%
HK$2,821
+HK$162/mo
Deposit HK$549K · loan HK$549K · min. income ≈ HK$5,318/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,783
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,858
−HK$76/mo
Today · 4.125%
HK$2,934
baseline
▲ 0.50% · 4.625%
HK$3,088
+HK$154/mo
Deposit HK$549K · loan HK$549K · min. income ≈ HK$5,868/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,002
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,096
−HK$95/mo
Today · 4.125%
HK$3,191
baseline
▲ 0.50% · 4.625%
HK$3,385
+HK$194/mo
Deposit HK$439K · loan HK$658K · min. income ≈ HK$6,382/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,340
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,430
−HK$91/mo
Today · 4.125%
HK$3,521
baseline
▲ 0.50% · 4.625%
HK$3,706
+HK$185/mo
Deposit HK$439K · loan HK$658K · min. income ≈ HK$7,042/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,503
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,612
−HK$110/mo
Today · 4.125%
HK$3,722
baseline
▲ 0.50% · 4.625%
HK$3,949
+HK$227/mo
Deposit HK$329K · loan HK$768K · min. income ≈ HK$7,444/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,897
−HK$210/mo
▼ 0.25% · 3.875%
HK$4,001
−HK$106/mo
Today · 4.125%
HK$4,107
baseline
▲ 0.50% · 4.625%
HK$4,324
+HK$217/mo
Deposit HK$329K · loan HK$768K · min. income ≈ HK$8,214/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,504
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,644
−HK$142/mo
Today · 4.125%
HK$4,786
baseline
▲ 0.50% · 4.625%
HK$5,077
+HK$291/mo
Deposit HK$110K · loan HK$988K · min. income ≈ HK$9,572/mo (50% DSR)
Upfront cash ≈ HK$110K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,010
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$136/mo
Today · 4.125%
HK$5,281
baseline
▲ 0.50% · 4.625%
HK$5,559
+HK$278/mo
Deposit HK$110K · loan HK$988K · min. income ≈ HK$10,562/mo (50% DSR)
Upfront cash ≈ HK$110K (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).