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$2,406
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,481
−HK$76/mo
Today · 4.125%
HK$2,557
baseline
▲ 0.50% · 4.625%
HK$2,713
+HK$156/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,114/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,677
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,749
−HK$73/mo
Today · 4.125%
HK$2,822
baseline
▲ 0.50% · 4.625%
HK$2,970
+HK$148/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,644/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,888
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,977
−HK$92/mo
Today · 4.125%
HK$3,069
baseline
▲ 0.50% · 4.625%
HK$3,255
+HK$186/mo
Deposit HK$422K · loan HK$633K · min. income ≈ HK$6,138/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,212
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,299
−HK$87/mo
Today · 4.125%
HK$3,386
baseline
▲ 0.50% · 4.625%
HK$3,564
+HK$178/mo
Deposit HK$422K · loan HK$633K · min. income ≈ HK$6,772/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,369
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,474
−HK$106/mo
Today · 4.125%
HK$3,580
baseline
▲ 0.50% · 4.625%
HK$3,798
+HK$218/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,160/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,748
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,848
−HK$102/mo
Today · 4.125%
HK$3,950
baseline
▲ 0.50% · 4.625%
HK$4,159
+HK$209/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,900/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,331
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,466
−HK$137/mo
Today · 4.125%
HK$4,603
baseline
▲ 0.50% · 4.625%
HK$4,883
+HK$280/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$9,206/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,819
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,948
−HK$131/mo
Today · 4.125%
HK$5,079
baseline
▲ 0.50% · 4.625%
HK$5,347
+HK$268/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$10,158/mo (50% DSR)
Upfront cash ≈ HK$106K (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).