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$1,935
−HK$122/mo
▼ 0.25% · 3.875%
HK$1,996
−HK$61/mo
Today · 4.125%
HK$2,057
baseline
▲ 0.50% · 4.625%
HK$2,182
+HK$125/mo
Deposit HK$424K · loan HK$424K · min. income ≈ HK$4,114/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$2,153
−HK$116/mo
▼ 0.25% · 3.875%
HK$2,211
−HK$58/mo
Today · 4.125%
HK$2,269
baseline
▲ 0.50% · 4.625%
HK$2,389
+HK$120/mo
Deposit HK$424K · loan HK$424K · min. income ≈ HK$4,538/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$2,322
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,395
−HK$73/mo
Today · 4.125%
HK$2,468
baseline
▲ 0.50% · 4.625%
HK$2,618
+HK$150/mo
Deposit HK$339K · loan HK$509K · min. income ≈ HK$4,936/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,584
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,653
−HK$70/mo
Today · 4.125%
HK$2,723
baseline
▲ 0.50% · 4.625%
HK$2,867
+HK$144/mo
Deposit HK$339K · loan HK$509K · min. income ≈ HK$5,446/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,709
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,794
−HK$85/mo
Today · 4.125%
HK$2,879
baseline
▲ 0.50% · 4.625%
HK$3,055
+HK$176/mo
Deposit HK$255K · loan HK$594K · min. income ≈ HK$5,758/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,014
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,095
−HK$82/mo
Today · 4.125%
HK$3,177
baseline
▲ 0.50% · 4.625%
HK$3,345
+HK$168/mo
Deposit HK$255K · loan HK$594K · min. income ≈ HK$6,354/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,484
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,592
−HK$110/mo
Today · 4.125%
HK$3,702
baseline
▲ 0.50% · 4.625%
HK$3,927
+HK$225/mo
Deposit HK$85K · loan HK$764K · min. income ≈ HK$7,404/mo (50% DSR)
Upfront cash ≈ HK$85K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,876
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,979
−HK$106/mo
Today · 4.125%
HK$4,085
baseline
▲ 0.50% · 4.625%
HK$4,300
+HK$215/mo
Deposit HK$85K · loan HK$764K · min. income ≈ HK$8,170/mo (50% DSR)
Upfront cash ≈ HK$85K (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).