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$2,365
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,438
−HK$75/mo
Today · 4.125%
HK$2,513
baseline
▲ 0.50% · 4.625%
HK$2,666
+HK$153/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,026/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,631
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,701
−HK$72/mo
Today · 4.125%
HK$2,773
baseline
▲ 0.50% · 4.625%
HK$2,919
+HK$146/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,546/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,838
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,926
−HK$90/mo
Today · 4.125%
HK$3,016
baseline
▲ 0.50% · 4.625%
HK$3,199
+HK$183/mo
Deposit HK$415K · loan HK$622K · min. income ≈ HK$6,032/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,157
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,241
−HK$86/mo
Today · 4.125%
HK$3,327
baseline
▲ 0.50% · 4.625%
HK$3,503
+HK$176/mo
Deposit HK$415K · loan HK$622K · min. income ≈ HK$6,654/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,311
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,414
−HK$104/mo
Today · 4.125%
HK$3,518
baseline
▲ 0.50% · 4.625%
HK$3,732
+HK$214/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,036/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,683
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,782
−HK$100/mo
Today · 4.125%
HK$3,882
baseline
▲ 0.50% · 4.625%
HK$4,087
+HK$205/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,764/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,256
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,389
−HK$134/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,799
+HK$276/mo
Deposit HK$104K · loan HK$933K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,735
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,862
−HK$129/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,254
+HK$263/mo
Deposit HK$104K · loan HK$933K · min. income ≈ HK$9,982/mo (50% DSR)
Upfront cash ≈ HK$104K (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).