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$1,726
−HK$109/mo
▼ 0.25% · 3.875%
HK$1,780
−HK$55/mo
Today · 4.125%
HK$1,835
baseline
▲ 0.50% · 4.625%
HK$1,946
+HK$111/mo
Deposit HK$379K · loan HK$379K · min. income ≈ HK$3,670/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,920
−HK$104/mo
▼ 0.25% · 3.875%
HK$1,972
−HK$52/mo
Today · 4.125%
HK$2,024
baseline
▲ 0.50% · 4.625%
HK$2,131
+HK$107/mo
Deposit HK$379K · loan HK$379K · min. income ≈ HK$4,048/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,072
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,136
−HK$65/mo
Today · 4.125%
HK$2,201
baseline
▲ 0.50% · 4.625%
HK$2,335
+HK$134/mo
Deposit HK$303K · loan HK$454K · min. income ≈ HK$4,402/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,305
−HK$124/mo
▼ 0.25% · 3.875%
HK$2,366
−HK$63/mo
Today · 4.125%
HK$2,429
baseline
▲ 0.50% · 4.625%
HK$2,557
+HK$128/mo
Deposit HK$303K · loan HK$454K · min. income ≈ HK$4,858/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,417
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,492
−HK$76/mo
Today · 4.125%
HK$2,568
baseline
▲ 0.50% · 4.625%
HK$2,725
+HK$157/mo
Deposit HK$227K · loan HK$530K · min. income ≈ HK$5,136/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,689
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,761
−HK$73/mo
Today · 4.125%
HK$2,834
baseline
▲ 0.50% · 4.625%
HK$2,983
+HK$149/mo
Deposit HK$227K · loan HK$530K · min. income ≈ HK$5,668/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,107
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,204
−HK$98/mo
Today · 4.125%
HK$3,302
baseline
▲ 0.50% · 4.625%
HK$3,503
+HK$201/mo
Deposit HK$76K · loan HK$681K · min. income ≈ HK$6,604/mo (50% DSR)
Upfront cash ≈ HK$76K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,457
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,550
−HK$94/mo
Today · 4.125%
HK$3,644
baseline
▲ 0.50% · 4.625%
HK$3,836
+HK$192/mo
Deposit HK$76K · loan HK$681K · min. income ≈ HK$7,288/mo (50% DSR)
Upfront cash ≈ HK$76K (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).