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$2,316
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,388
−HK$73/mo
Today · 4.125%
HK$2,461
baseline
▲ 0.50% · 4.625%
HK$2,611
+HK$150/mo
Deposit HK$508K · loan HK$508K · min. income ≈ HK$4,922/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,577
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,646
−HK$70/mo
Today · 4.125%
HK$2,716
baseline
▲ 0.50% · 4.625%
HK$2,859
+HK$143/mo
Deposit HK$508K · loan HK$508K · min. income ≈ HK$5,432/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,779
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,866
−HK$88/mo
Today · 4.125%
HK$2,954
baseline
▲ 0.50% · 4.625%
HK$3,133
+HK$179/mo
Deposit HK$406K · loan HK$609K · min. income ≈ HK$5,908/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,092
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,175
−HK$84/mo
Today · 4.125%
HK$3,259
baseline
▲ 0.50% · 4.625%
HK$3,431
+HK$172/mo
Deposit HK$406K · loan HK$609K · min. income ≈ HK$6,518/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,243
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,344
−HK$102/mo
Today · 4.125%
HK$3,446
baseline
▲ 0.50% · 4.625%
HK$3,656
+HK$210/mo
Deposit HK$305K · loan HK$711K · min. income ≈ HK$6,892/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,607
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,704
−HK$98/mo
Today · 4.125%
HK$3,802
baseline
▲ 0.50% · 4.625%
HK$4,003
+HK$201/mo
Deposit HK$305K · loan HK$711K · min. income ≈ HK$7,604/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,169
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,299
−HK$132/mo
Today · 4.125%
HK$4,431
baseline
▲ 0.50% · 4.625%
HK$4,700
+HK$269/mo
Deposit HK$102K · loan HK$914K · min. income ≈ HK$8,862/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$4,638
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,763
−HK$126/mo
Today · 4.125%
HK$4,889
baseline
▲ 0.50% · 4.625%
HK$5,146
+HK$257/mo
Deposit HK$102K · loan HK$914K · min. income ≈ HK$9,778/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).