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$2,419
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,494
−HK$77/mo
Today · 4.125%
HK$2,571
baseline
▲ 0.50% · 4.625%
HK$2,727
+HK$156/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,142/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,691
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,763
−HK$74/mo
Today · 4.125%
HK$2,837
baseline
▲ 0.50% · 4.625%
HK$2,986
+HK$149/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,674/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,903
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,993
−HK$92/mo
Today · 4.125%
HK$3,085
baseline
▲ 0.50% · 4.625%
HK$3,273
+HK$188/mo
Deposit HK$424K · loan HK$637K · min. income ≈ HK$6,170/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,229
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,316
−HK$88/mo
Today · 4.125%
HK$3,404
baseline
▲ 0.50% · 4.625%
HK$3,583
+HK$179/mo
Deposit HK$424K · loan HK$637K · min. income ≈ HK$6,808/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,387
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,492
−HK$107/mo
Today · 4.125%
HK$3,599
baseline
▲ 0.50% · 4.625%
HK$3,818
+HK$219/mo
Deposit HK$318K · loan HK$743K · min. income ≈ HK$7,198/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,768
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,869
−HK$102/mo
Today · 4.125%
HK$3,971
baseline
▲ 0.50% · 4.625%
HK$4,181
+HK$210/mo
Deposit HK$318K · loan HK$743K · min. income ≈ HK$7,942/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,354
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,490
−HK$137/mo
Today · 4.125%
HK$4,627
baseline
▲ 0.50% · 4.625%
HK$4,909
+HK$282/mo
Deposit HK$106K · loan HK$955K · min. income ≈ HK$9,254/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,844
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,974
−HK$132/mo
Today · 4.125%
HK$5,106
baseline
▲ 0.50% · 4.625%
HK$5,375
+HK$269/mo
Deposit HK$106K · loan HK$955K · min. income ≈ HK$10,212/mo (50% DSR)
Upfront cash ≈ HK$106K (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).