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$1,770
−HK$111/mo
▼ 0.25% · 3.875%
HK$1,825
−HK$56/mo
Today · 4.125%
HK$1,881
baseline
▲ 0.50% · 4.625%
HK$1,996
+HK$115/mo
Deposit HK$388K · loan HK$388K · min. income ≈ HK$3,762/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,969
−HK$107/mo
▼ 0.25% · 3.875%
HK$2,022
−HK$54/mo
Today · 4.125%
HK$2,076
baseline
▲ 0.50% · 4.625%
HK$2,185
+HK$109/mo
Deposit HK$388K · loan HK$388K · min. income ≈ HK$4,152/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,124
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,190
−HK$67/mo
Today · 4.125%
HK$2,257
baseline
▲ 0.50% · 4.625%
HK$2,395
+HK$138/mo
Deposit HK$311K · loan HK$466K · min. income ≈ HK$4,514/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,363
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,426
−HK$65/mo
Today · 4.125%
HK$2,491
baseline
▲ 0.50% · 4.625%
HK$2,622
+HK$131/mo
Deposit HK$311K · loan HK$466K · min. income ≈ HK$4,982/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,478
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,555
−HK$79/mo
Today · 4.125%
HK$2,634
baseline
▲ 0.50% · 4.625%
HK$2,794
+HK$160/mo
Deposit HK$233K · loan HK$543K · min. income ≈ HK$5,268/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,757
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,831
−HK$75/mo
Today · 4.125%
HK$2,906
baseline
▲ 0.50% · 4.625%
HK$3,059
+HK$153/mo
Deposit HK$233K · loan HK$543K · min. income ≈ HK$5,812/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,186
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,285
−HK$101/mo
Today · 4.125%
HK$3,386
baseline
▲ 0.50% · 4.625%
HK$3,592
+HK$206/mo
Deposit HK$78K · loan HK$699K · min. income ≈ HK$6,772/mo (50% DSR)
Upfront cash ≈ HK$78K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,545
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,640
−HK$96/mo
Today · 4.125%
HK$3,736
baseline
▲ 0.50% · 4.625%
HK$3,933
+HK$197/mo
Deposit HK$78K · loan HK$699K · min. income ≈ HK$7,472/mo (50% DSR)
Upfront cash ≈ HK$78K (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).