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$1,498
−HK$94/mo
▼ 0.25% · 3.875%
HK$1,545
−HK$47/mo
Today · 4.125%
HK$1,592
baseline
▲ 0.50% · 4.625%
HK$1,689
+HK$97/mo
Deposit HK$328K · loan HK$328K · min. income ≈ HK$3,184/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,667
−HK$90/mo
▼ 0.25% · 3.875%
HK$1,711
−HK$46/mo
Today · 4.125%
HK$1,757
baseline
▲ 0.50% · 4.625%
HK$1,849
+HK$92/mo
Deposit HK$328K · loan HK$328K · min. income ≈ HK$3,514/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,798
−HK$112/mo
▼ 0.25% · 3.875%
HK$1,854
−HK$56/mo
Today · 4.125%
HK$1,910
baseline
▲ 0.50% · 4.625%
HK$2,027
+HK$117/mo
Deposit HK$263K · loan HK$394K · min. income ≈ HK$3,820/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,000
−HK$108/mo
▼ 0.25% · 3.875%
HK$2,054
−HK$54/mo
Today · 4.125%
HK$2,108
baseline
▲ 0.50% · 4.625%
HK$2,219
+HK$111/mo
Deposit HK$263K · loan HK$394K · min. income ≈ HK$4,216/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,097
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,163
−HK$66/mo
Today · 4.125%
HK$2,229
baseline
▲ 0.50% · 4.625%
HK$2,364
+HK$135/mo
Deposit HK$197K · loan HK$460K · min. income ≈ HK$4,458/mo (50% DSR)
Upfront cash ≈ HK$197K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,333
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,396
−HK$63/mo
Today · 4.125%
HK$2,459
baseline
▲ 0.50% · 4.625%
HK$2,589
+HK$130/mo
Deposit HK$197K · loan HK$460K · min. income ≈ HK$4,918/mo (50% DSR)
Upfront cash ≈ HK$197K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,697
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,780
−HK$86/mo
Today · 4.125%
HK$2,866
baseline
▲ 0.50% · 4.625%
HK$3,040
+HK$174/mo
Deposit HK$66K · loan HK$591K · min. income ≈ HK$5,732/mo (50% DSR)
Upfront cash ≈ HK$66K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,000
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,080
−HK$82/mo
Today · 4.125%
HK$3,162
baseline
▲ 0.50% · 4.625%
HK$3,329
+HK$167/mo
Deposit HK$66K · loan HK$591K · min. income ≈ HK$6,324/mo (50% DSR)
Upfront cash ≈ HK$66K (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).