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$1,907
−HK$119/mo
▼ 0.25% · 3.875%
HK$1,966
−HK$60/mo
Today · 4.125%
HK$2,026
baseline
▲ 0.50% · 4.625%
HK$2,149
+HK$123/mo
Deposit HK$418K · loan HK$418K · min. income ≈ HK$4,052/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,121
−HK$115/mo
▼ 0.25% · 3.875%
HK$2,178
−HK$58/mo
Today · 4.125%
HK$2,236
baseline
▲ 0.50% · 4.625%
HK$2,353
+HK$117/mo
Deposit HK$418K · loan HK$418K · min. income ≈ HK$4,472/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,288
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,359
−HK$72/mo
Today · 4.125%
HK$2,431
baseline
▲ 0.50% · 4.625%
HK$2,579
+HK$148/mo
Deposit HK$334K · loan HK$502K · min. income ≈ HK$4,862/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,545
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,613
−HK$70/mo
Today · 4.125%
HK$2,683
baseline
▲ 0.50% · 4.625%
HK$2,824
+HK$141/mo
Deposit HK$334K · loan HK$502K · min. income ≈ HK$5,366/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,669
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,752
−HK$85/mo
Today · 4.125%
HK$2,837
baseline
▲ 0.50% · 4.625%
HK$3,009
+HK$172/mo
Deposit HK$251K · loan HK$585K · min. income ≈ HK$5,674/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,969
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,049
−HK$81/mo
Today · 4.125%
HK$3,130
baseline
▲ 0.50% · 4.625%
HK$3,295
+HK$165/mo
Deposit HK$251K · loan HK$585K · min. income ≈ HK$6,260/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,432
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,539
−HK$108/mo
Today · 4.125%
HK$3,647
baseline
▲ 0.50% · 4.625%
HK$3,869
+HK$222/mo
Deposit HK$84K · loan HK$753K · min. income ≈ HK$7,294/mo (50% DSR)
Upfront cash ≈ HK$84K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,818
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,920
−HK$104/mo
Today · 4.125%
HK$4,024
baseline
▲ 0.50% · 4.625%
HK$4,236
+HK$212/mo
Deposit HK$84K · loan HK$753K · min. income ≈ HK$8,048/mo (50% DSR)
Upfront cash ≈ HK$84K (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).