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$2,017
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,079
−HK$64/mo
Today · 4.125%
HK$2,143
baseline
▲ 0.50% · 4.625%
HK$2,274
+HK$131/mo
Deposit HK$442K · loan HK$442K · min. income ≈ HK$4,286/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,244
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,304
−HK$61/mo
Today · 4.125%
HK$2,365
baseline
▲ 0.50% · 4.625%
HK$2,489
+HK$124/mo
Deposit HK$442K · loan HK$442K · min. income ≈ HK$4,730/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,420
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,495
−HK$77/mo
Today · 4.125%
HK$2,572
baseline
▲ 0.50% · 4.625%
HK$2,728
+HK$156/mo
Deposit HK$354K · loan HK$531K · min. income ≈ HK$5,144/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,692
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,764
−HK$74/mo
Today · 4.125%
HK$2,838
baseline
▲ 0.50% · 4.625%
HK$2,987
+HK$149/mo
Deposit HK$354K · loan HK$531K · min. income ≈ HK$5,676/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,823
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,911
−HK$89/mo
Today · 4.125%
HK$3,000
baseline
▲ 0.50% · 4.625%
HK$3,183
+HK$183/mo
Deposit HK$265K · loan HK$619K · min. income ≈ HK$6,000/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,141
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,225
−HK$86/mo
Today · 4.125%
HK$3,311
baseline
▲ 0.50% · 4.625%
HK$3,485
+HK$174/mo
Deposit HK$265K · loan HK$619K · min. income ≈ HK$6,622/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,630
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,743
−HK$115/mo
Today · 4.125%
HK$3,858
baseline
▲ 0.50% · 4.625%
HK$4,092
+HK$234/mo
Deposit HK$88K · loan HK$796K · min. income ≈ HK$7,716/mo (50% DSR)
Upfront cash ≈ HK$89K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,038
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,147
−HK$110/mo
Today · 4.125%
HK$4,257
baseline
▲ 0.50% · 4.625%
HK$4,481
+HK$224/mo
Deposit HK$88K · loan HK$796K · min. income ≈ HK$8,514/mo (50% DSR)
Upfront cash ≈ HK$89K (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).