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$2,250
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,320
−HK$71/mo
Today · 4.125%
HK$2,391
baseline
▲ 0.50% · 4.625%
HK$2,537
+HK$146/mo
Deposit HK$493K · loan HK$493K · min. income ≈ HK$4,782/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,503
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,570
−HK$68/mo
Today · 4.125%
HK$2,638
baseline
▲ 0.50% · 4.625%
HK$2,777
+HK$139/mo
Deposit HK$493K · loan HK$493K · min. income ≈ HK$5,276/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,700
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,784
−HK$85/mo
Today · 4.125%
HK$2,869
baseline
▲ 0.50% · 4.625%
HK$3,044
+HK$175/mo
Deposit HK$395K · loan HK$592K · min. income ≈ HK$5,738/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,004
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,084
−HK$82/mo
Today · 4.125%
HK$3,166
baseline
▲ 0.50% · 4.625%
HK$3,333
+HK$167/mo
Deposit HK$395K · loan HK$592K · min. income ≈ HK$6,332/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,150
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,248
−HK$100/mo
Today · 4.125%
HK$3,348
baseline
▲ 0.50% · 4.625%
HK$3,551
+HK$203/mo
Deposit HK$296K · loan HK$691K · min. income ≈ HK$6,696/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,504
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,598
−HK$96/mo
Today · 4.125%
HK$3,694
baseline
▲ 0.50% · 4.625%
HK$3,888
+HK$194/mo
Deposit HK$296K · loan HK$691K · min. income ≈ HK$7,388/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,050
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,176
−HK$128/mo
Today · 4.125%
HK$4,304
baseline
▲ 0.50% · 4.625%
HK$4,566
+HK$262/mo
Deposit HK$99K · loan HK$888K · min. income ≈ HK$8,608/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$4,506
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,627
−HK$122/mo
Today · 4.125%
HK$4,749
baseline
▲ 0.50% · 4.625%
HK$4,999
+HK$250/mo
Deposit HK$99K · loan HK$888K · min. income ≈ HK$9,498/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).