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$2,343
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,416
−HK$74/mo
Today · 4.125%
HK$2,490
baseline
▲ 0.50% · 4.625%
HK$2,642
+HK$152/mo
Deposit HK$514K · loan HK$514K · min. income ≈ HK$4,980/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,607
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,677
−HK$71/mo
Today · 4.125%
HK$2,748
baseline
▲ 0.50% · 4.625%
HK$2,893
+HK$145/mo
Deposit HK$514K · loan HK$514K · min. income ≈ HK$5,496/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,812
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,900
−HK$89/mo
Today · 4.125%
HK$2,989
baseline
▲ 0.50% · 4.625%
HK$3,170
+HK$181/mo
Deposit HK$411K · loan HK$617K · min. income ≈ HK$5,978/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,129
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,212
−HK$86/mo
Today · 4.125%
HK$3,298
baseline
▲ 0.50% · 4.625%
HK$3,471
+HK$173/mo
Deposit HK$411K · loan HK$617K · min. income ≈ HK$6,596/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,281
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,383
−HK$104/mo
Today · 4.125%
HK$3,487
baseline
▲ 0.50% · 4.625%
HK$3,699
+HK$212/mo
Deposit HK$308K · loan HK$719K · min. income ≈ HK$6,974/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,650
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,748
−HK$99/mo
Today · 4.125%
HK$3,847
baseline
▲ 0.50% · 4.625%
HK$4,050
+HK$203/mo
Deposit HK$308K · loan HK$719K · min. income ≈ HK$7,694/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,218
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,349
−HK$134/mo
Today · 4.125%
HK$4,483
baseline
▲ 0.50% · 4.625%
HK$4,756
+HK$273/mo
Deposit HK$103K · loan HK$925K · min. income ≈ HK$8,966/mo (50% DSR)
Upfront cash ≈ HK$103K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,693
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,819
−HK$127/mo
Today · 4.125%
HK$4,946
baseline
▲ 0.50% · 4.625%
HK$5,207
+HK$261/mo
Deposit HK$103K · loan HK$925K · min. income ≈ HK$9,892/mo (50% DSR)
Upfront cash ≈ HK$103K (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).