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$2,006
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,069
−HK$63/mo
Today · 4.125%
HK$2,132
baseline
▲ 0.50% · 4.625%
HK$2,262
+HK$130/mo
Deposit HK$440K · loan HK$440K · min. income ≈ HK$4,264/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,232
−HK$120/mo
▼ 0.25% · 3.875%
HK$2,292
−HK$60/mo
Today · 4.125%
HK$2,352
baseline
▲ 0.50% · 4.625%
HK$2,476
+HK$124/mo
Deposit HK$440K · loan HK$440K · min. income ≈ HK$4,704/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,407
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,482
−HK$76/mo
Today · 4.125%
HK$2,558
baseline
▲ 0.50% · 4.625%
HK$2,714
+HK$156/mo
Deposit HK$352K · loan HK$528K · min. income ≈ HK$5,116/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,678
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,750
−HK$73/mo
Today · 4.125%
HK$2,823
baseline
▲ 0.50% · 4.625%
HK$2,972
+HK$149/mo
Deposit HK$352K · loan HK$528K · min. income ≈ HK$5,646/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,809
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,896
−HK$89/mo
Today · 4.125%
HK$2,985
baseline
▲ 0.50% · 4.625%
HK$3,166
+HK$181/mo
Deposit HK$264K · loan HK$616K · min. income ≈ HK$5,970/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,125
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,208
−HK$85/mo
Today · 4.125%
HK$3,293
baseline
▲ 0.50% · 4.625%
HK$3,467
+HK$174/mo
Deposit HK$264K · loan HK$616K · min. income ≈ HK$6,586/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,611
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,723
−HK$115/mo
Today · 4.125%
HK$3,838
baseline
▲ 0.50% · 4.625%
HK$4,071
+HK$233/mo
Deposit HK$88K · loan HK$792K · min. income ≈ HK$7,676/mo (50% DSR)
Upfront cash ≈ HK$88K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,017
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,125
−HK$109/mo
Today · 4.125%
HK$4,234
baseline
▲ 0.50% · 4.625%
HK$4,458
+HK$224/mo
Deposit HK$88K · loan HK$792K · min. income ≈ HK$8,468/mo (50% DSR)
Upfront cash ≈ HK$88K (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).