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$1,797
−HK$113/mo
▼ 0.25% · 3.875%
HK$1,853
−HK$57/mo
Today · 4.125%
HK$1,910
baseline
▲ 0.50% · 4.625%
HK$2,026
+HK$116/mo
Deposit HK$394K · loan HK$394K · min. income ≈ HK$3,820/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,999
−HK$108/mo
▼ 0.25% · 3.875%
HK$2,053
−HK$54/mo
Today · 4.125%
HK$2,107
baseline
▲ 0.50% · 4.625%
HK$2,218
+HK$111/mo
Deposit HK$394K · loan HK$394K · min. income ≈ HK$4,214/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,156
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,223
−HK$68/mo
Today · 4.125%
HK$2,291
baseline
▲ 0.50% · 4.625%
HK$2,431
+HK$140/mo
Deposit HK$315K · loan HK$473K · min. income ≈ HK$4,582/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,399
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,463
−HK$65/mo
Today · 4.125%
HK$2,528
baseline
▲ 0.50% · 4.625%
HK$2,662
+HK$134/mo
Deposit HK$315K · loan HK$473K · min. income ≈ HK$5,056/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,516
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,594
−HK$79/mo
Today · 4.125%
HK$2,673
baseline
▲ 0.50% · 4.625%
HK$2,836
+HK$163/mo
Deposit HK$236K · loan HK$552K · min. income ≈ HK$5,346/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,799
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,874
−HK$76/mo
Today · 4.125%
HK$2,950
baseline
▲ 0.50% · 4.625%
HK$3,105
+HK$155/mo
Deposit HK$236K · loan HK$552K · min. income ≈ HK$5,900/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,234
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,335
−HK$102/mo
Today · 4.125%
HK$3,437
baseline
▲ 0.50% · 4.625%
HK$3,646
+HK$209/mo
Deposit HK$79K · loan HK$709K · min. income ≈ HK$6,874/mo (50% DSR)
Upfront cash ≈ HK$79K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,598
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,695
−HK$98/mo
Today · 4.125%
HK$3,793
baseline
▲ 0.50% · 4.625%
HK$3,992
+HK$199/mo
Deposit HK$79K · loan HK$709K · min. income ≈ HK$7,586/mo (50% DSR)
Upfront cash ≈ HK$79K (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).