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$2,220
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,289
−HK$70/mo
Today · 4.125%
HK$2,359
baseline
▲ 0.50% · 4.625%
HK$2,503
+HK$144/mo
Deposit HK$487K · loan HK$487K · min. income ≈ HK$4,718/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,470
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,536
−HK$67/mo
Today · 4.125%
HK$2,603
baseline
▲ 0.50% · 4.625%
HK$2,741
+HK$138/mo
Deposit HK$487K · loan HK$487K · min. income ≈ HK$5,206/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,664
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,747
−HK$84/mo
Today · 4.125%
HK$2,831
baseline
▲ 0.50% · 4.625%
HK$3,004
+HK$173/mo
Deposit HK$389K · loan HK$584K · min. income ≈ HK$5,662/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,964
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,043
−HK$81/mo
Today · 4.125%
HK$3,124
baseline
▲ 0.50% · 4.625%
HK$3,289
+HK$165/mo
Deposit HK$389K · loan HK$584K · min. income ≈ HK$6,248/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,108
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,205
−HK$98/mo
Today · 4.125%
HK$3,303
baseline
▲ 0.50% · 4.625%
HK$3,504
+HK$201/mo
Deposit HK$292K · loan HK$682K · min. income ≈ HK$6,606/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,458
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,551
−HK$94/mo
Today · 4.125%
HK$3,645
baseline
▲ 0.50% · 4.625%
HK$3,837
+HK$192/mo
Deposit HK$292K · loan HK$682K · min. income ≈ HK$7,290/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,996
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,121
−HK$126/mo
Today · 4.125%
HK$4,247
baseline
▲ 0.50% · 4.625%
HK$4,505
+HK$258/mo
Deposit HK$97K · loan HK$876K · min. income ≈ HK$8,494/mo (50% DSR)
Upfront cash ≈ HK$97K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,446
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,565
−HK$121/mo
Today · 4.125%
HK$4,686
baseline
▲ 0.50% · 4.625%
HK$4,933
+HK$247/mo
Deposit HK$97K · loan HK$876K · min. income ≈ HK$9,372/mo (50% DSR)
Upfront cash ≈ HK$97K (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).