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$2,407
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,482
−HK$76/mo
Today · 4.125%
HK$2,558
baseline
▲ 0.50% · 4.625%
HK$2,714
+HK$156/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,116/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,678
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,750
−HK$73/mo
Today · 4.125%
HK$2,823
baseline
▲ 0.50% · 4.625%
HK$2,972
+HK$149/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,646/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,889
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,979
−HK$91/mo
Today · 4.125%
HK$3,070
baseline
▲ 0.50% · 4.625%
HK$3,257
+HK$187/mo
Deposit HK$422K · loan HK$633K · min. income ≈ HK$6,140/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,214
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,300
−HK$87/mo
Today · 4.125%
HK$3,387
baseline
▲ 0.50% · 4.625%
HK$3,566
+HK$179/mo
Deposit HK$422K · loan HK$633K · min. income ≈ HK$6,774/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,370
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,475
−HK$107/mo
Today · 4.125%
HK$3,582
baseline
▲ 0.50% · 4.625%
HK$3,800
+HK$218/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,164/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,749
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,850
−HK$102/mo
Today · 4.125%
HK$3,952
baseline
▲ 0.50% · 4.625%
HK$4,160
+HK$208/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,904/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,333
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,468
−HK$137/mo
Today · 4.125%
HK$4,605
baseline
▲ 0.50% · 4.625%
HK$4,885
+HK$280/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$9,210/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,821
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,950
−HK$131/mo
Today · 4.125%
HK$5,081
baseline
▲ 0.50% · 4.625%
HK$5,349
+HK$268/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$10,162/mo (50% DSR)
Upfront cash ≈ HK$106K (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).