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$1,989
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,051
−HK$63/mo
Today · 4.125%
HK$2,114
baseline
▲ 0.50% · 4.625%
HK$2,243
+HK$129/mo
Deposit HK$436K · loan HK$436K · min. income ≈ HK$4,228/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,213
−HK$120/mo
▼ 0.25% · 3.875%
HK$2,273
−HK$60/mo
Today · 4.125%
HK$2,333
baseline
▲ 0.50% · 4.625%
HK$2,456
+HK$123/mo
Deposit HK$436K · loan HK$436K · min. income ≈ HK$4,666/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,387
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,462
−HK$75/mo
Today · 4.125%
HK$2,537
baseline
▲ 0.50% · 4.625%
HK$2,691
+HK$154/mo
Deposit HK$349K · loan HK$523K · min. income ≈ HK$5,074/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,656
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,727
−HK$72/mo
Today · 4.125%
HK$2,799
baseline
▲ 0.50% · 4.625%
HK$2,947
+HK$148/mo
Deposit HK$349K · loan HK$523K · min. income ≈ HK$5,598/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,785
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,872
−HK$88/mo
Today · 4.125%
HK$2,960
baseline
▲ 0.50% · 4.625%
HK$3,140
+HK$180/mo
Deposit HK$262K · loan HK$611K · min. income ≈ HK$5,920/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,098
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,182
−HK$84/mo
Today · 4.125%
HK$3,266
baseline
▲ 0.50% · 4.625%
HK$3,438
+HK$172/mo
Deposit HK$262K · loan HK$611K · min. income ≈ HK$6,532/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,581
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,692
−HK$113/mo
Today · 4.125%
HK$3,805
baseline
▲ 0.50% · 4.625%
HK$4,037
+HK$232/mo
Deposit HK$87K · loan HK$785K · min. income ≈ HK$7,610/mo (50% DSR)
Upfront cash ≈ HK$87K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,984
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,091
−HK$108/mo
Today · 4.125%
HK$4,199
baseline
▲ 0.50% · 4.625%
HK$4,420
+HK$221/mo
Deposit HK$87K · loan HK$785K · min. income ≈ HK$8,398/mo (50% DSR)
Upfront cash ≈ HK$87K (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).