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$1,839
−HK$115/mo
▼ 0.25% · 3.875%
HK$1,896
−HK$58/mo
Today · 4.125%
HK$1,954
baseline
▲ 0.50% · 4.625%
HK$2,073
+HK$119/mo
Deposit HK$403K · loan HK$403K · min. income ≈ HK$3,908/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,046
−HK$110/mo
▼ 0.25% · 3.875%
HK$2,101
−HK$55/mo
Today · 4.125%
HK$2,156
baseline
▲ 0.50% · 4.625%
HK$2,270
+HK$114/mo
Deposit HK$403K · loan HK$403K · min. income ≈ HK$4,312/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,207
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,275
−HK$70/mo
Today · 4.125%
HK$2,345
baseline
▲ 0.50% · 4.625%
HK$2,488
+HK$143/mo
Deposit HK$323K · loan HK$484K · min. income ≈ HK$4,690/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,455
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,521
−HK$66/mo
Today · 4.125%
HK$2,587
baseline
▲ 0.50% · 4.625%
HK$2,724
+HK$137/mo
Deposit HK$323K · loan HK$484K · min. income ≈ HK$5,174/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,574
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,654
−HK$82/mo
Today · 4.125%
HK$2,736
baseline
▲ 0.50% · 4.625%
HK$2,902
+HK$166/mo
Deposit HK$242K · loan HK$564K · min. income ≈ HK$5,472/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,864
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,941
−HK$78/mo
Today · 4.125%
HK$3,019
baseline
▲ 0.50% · 4.625%
HK$3,178
+HK$159/mo
Deposit HK$242K · loan HK$564K · min. income ≈ HK$6,038/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,310
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,413
−HK$104/mo
Today · 4.125%
HK$3,517
baseline
▲ 0.50% · 4.625%
HK$3,732
+HK$215/mo
Deposit HK$81K · loan HK$726K · min. income ≈ HK$7,034/mo (50% DSR)
Upfront cash ≈ HK$81K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,682
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,781
−HK$100/mo
Today · 4.125%
HK$3,881
baseline
▲ 0.50% · 4.625%
HK$4,086
+HK$205/mo
Deposit HK$81K · loan HK$726K · min. income ≈ HK$7,762/mo (50% DSR)
Upfront cash ≈ HK$81K (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).