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$2,448
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,524
−HK$78/mo
Today · 4.125%
HK$2,602
baseline
▲ 0.50% · 4.625%
HK$2,760
+HK$158/mo
Deposit HK$537K · loan HK$537K · min. income ≈ HK$5,204/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,724
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,797
−HK$74/mo
Today · 4.125%
HK$2,871
baseline
▲ 0.50% · 4.625%
HK$3,022
+HK$151/mo
Deposit HK$537K · loan HK$537K · min. income ≈ HK$5,742/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,938
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,029
−HK$93/mo
Today · 4.125%
HK$3,122
baseline
▲ 0.50% · 4.625%
HK$3,312
+HK$190/mo
Deposit HK$429K · loan HK$644K · min. income ≈ HK$6,244/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,268
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,356
−HK$89/mo
Today · 4.125%
HK$3,445
baseline
▲ 0.50% · 4.625%
HK$3,626
+HK$181/mo
Deposit HK$429K · loan HK$644K · min. income ≈ HK$6,890/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,427
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,534
−HK$108/mo
Today · 4.125%
HK$3,642
baseline
▲ 0.50% · 4.625%
HK$3,864
+HK$222/mo
Deposit HK$322K · loan HK$752K · min. income ≈ HK$7,284/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,813
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,915
−HK$104/mo
Today · 4.125%
HK$4,019
baseline
▲ 0.50% · 4.625%
HK$4,231
+HK$212/mo
Deposit HK$322K · loan HK$752K · min. income ≈ HK$8,038/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,407
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,544
−HK$139/mo
Today · 4.125%
HK$4,683
baseline
▲ 0.50% · 4.625%
HK$4,968
+HK$285/mo
Deposit HK$107K · loan HK$966K · min. income ≈ HK$9,366/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,902
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$133/mo
Today · 4.125%
HK$5,167
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$273/mo
Deposit HK$107K · loan HK$966K · min. income ≈ HK$10,334/mo (50% DSR)
Upfront cash ≈ HK$107K (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).