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$2,263
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,333
−HK$72/mo
Today · 4.125%
HK$2,405
baseline
▲ 0.50% · 4.625%
HK$2,551
+HK$146/mo
Deposit HK$496K · loan HK$496K · min. income ≈ HK$4,810/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,517
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,585
−HK$68/mo
Today · 4.125%
HK$2,653
baseline
▲ 0.50% · 4.625%
HK$2,793
+HK$140/mo
Deposit HK$496K · loan HK$496K · min. income ≈ HK$5,306/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,715
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,800
−HK$86/mo
Today · 4.125%
HK$2,886
baseline
▲ 0.50% · 4.625%
HK$3,061
+HK$175/mo
Deposit HK$397K · loan HK$595K · min. income ≈ HK$5,772/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,021
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,102
−HK$82/mo
Today · 4.125%
HK$3,184
baseline
▲ 0.50% · 4.625%
HK$3,352
+HK$168/mo
Deposit HK$397K · loan HK$595K · min. income ≈ HK$6,368/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,168
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,266
−HK$101/mo
Today · 4.125%
HK$3,367
baseline
▲ 0.50% · 4.625%
HK$3,571
+HK$204/mo
Deposit HK$298K · loan HK$695K · min. income ≈ HK$6,734/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,524
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,619
−HK$96/mo
Today · 4.125%
HK$3,715
baseline
▲ 0.50% · 4.625%
HK$3,910
+HK$195/mo
Deposit HK$298K · loan HK$695K · min. income ≈ HK$7,430/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,073
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,200
−HK$128/mo
Today · 4.125%
HK$4,328
baseline
▲ 0.50% · 4.625%
HK$4,592
+HK$264/mo
Deposit HK$99K · loan HK$893K · min. income ≈ HK$8,656/mo (50% DSR)
Upfront cash ≈ HK$99K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,531
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,653
−HK$123/mo
Today · 4.125%
HK$4,776
baseline
▲ 0.50% · 4.625%
HK$5,028
+HK$252/mo
Deposit HK$99K · loan HK$893K · min. income ≈ HK$9,552/mo (50% DSR)
Upfront cash ≈ HK$99K (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).