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$2,324
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,397
−HK$73/mo
Today · 4.125%
HK$2,470
baseline
▲ 0.50% · 4.625%
HK$2,620
+HK$150/mo
Deposit HK$510K · loan HK$510K · min. income ≈ HK$4,940/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,586
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,655
−HK$70/mo
Today · 4.125%
HK$2,725
baseline
▲ 0.50% · 4.625%
HK$2,869
+HK$144/mo
Deposit HK$510K · loan HK$510K · min. income ≈ HK$5,450/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,789
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,876
−HK$88/mo
Today · 4.125%
HK$2,964
baseline
▲ 0.50% · 4.625%
HK$3,144
+HK$180/mo
Deposit HK$408K · loan HK$612K · min. income ≈ HK$5,928/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,103
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,186
−HK$84/mo
Today · 4.125%
HK$3,270
baseline
▲ 0.50% · 4.625%
HK$3,443
+HK$173/mo
Deposit HK$408K · loan HK$612K · min. income ≈ HK$6,540/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,254
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,355
−HK$103/mo
Today · 4.125%
HK$3,458
baseline
▲ 0.50% · 4.625%
HK$3,668
+HK$210/mo
Deposit HK$306K · loan HK$714K · min. income ≈ HK$6,916/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,620
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,717
−HK$99/mo
Today · 4.125%
HK$3,816
baseline
▲ 0.50% · 4.625%
HK$4,017
+HK$201/mo
Deposit HK$306K · loan HK$714K · min. income ≈ HK$7,632/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,184
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,314
−HK$132/mo
Today · 4.125%
HK$4,446
baseline
▲ 0.50% · 4.625%
HK$4,717
+HK$271/mo
Deposit HK$102K · loan HK$917K · min. income ≈ HK$8,892/mo (50% DSR)
Upfront cash ≈ HK$102K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,654
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,779
−HK$127/mo
Today · 4.125%
HK$4,906
baseline
▲ 0.50% · 4.625%
HK$5,164
+HK$258/mo
Deposit HK$102K · loan HK$917K · min. income ≈ HK$9,812/mo (50% DSR)
Upfront cash ≈ HK$102K (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).