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$2,524
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,602
−HK$80/mo
Today · 4.125%
HK$2,682
baseline
▲ 0.50% · 4.625%
HK$2,845
+HK$163/mo
Deposit HK$553K · loan HK$553K · min. income ≈ HK$5,364/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,808
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,883
−HK$76/mo
Today · 4.125%
HK$2,959
baseline
▲ 0.50% · 4.625%
HK$3,115
+HK$156/mo
Deposit HK$553K · loan HK$553K · min. income ≈ HK$5,918/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,029
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,123
−HK$96/mo
Today · 4.125%
HK$3,219
baseline
▲ 0.50% · 4.625%
HK$3,414
+HK$195/mo
Deposit HK$443K · loan HK$664K · min. income ≈ HK$6,438/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,369
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,460
−HK$91/mo
Today · 4.125%
HK$3,551
baseline
▲ 0.50% · 4.625%
HK$3,739
+HK$188/mo
Deposit HK$443K · loan HK$664K · min. income ≈ HK$7,102/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,533
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,643
−HK$112/mo
Today · 4.125%
HK$3,755
baseline
▲ 0.50% · 4.625%
HK$3,983
+HK$228/mo
Deposit HK$332K · loan HK$775K · min. income ≈ HK$7,510/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,931
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,036
−HK$107/mo
Today · 4.125%
HK$4,143
baseline
▲ 0.50% · 4.625%
HK$4,362
+HK$219/mo
Deposit HK$332K · loan HK$775K · min. income ≈ HK$8,286/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,543
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,684
−HK$144/mo
Today · 4.125%
HK$4,828
baseline
▲ 0.50% · 4.625%
HK$5,122
+HK$294/mo
Deposit HK$111K · loan HK$996K · min. income ≈ HK$9,656/mo (50% DSR)
Upfront cash ≈ HK$111K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,054
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,190
−HK$137/mo
Today · 4.125%
HK$5,327
baseline
▲ 0.50% · 4.625%
HK$5,608
+HK$281/mo
Deposit HK$111K · loan HK$996K · min. income ≈ HK$10,654/mo (50% DSR)
Upfront cash ≈ HK$111K (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).