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$2,229
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,298
−HK$71/mo
Today · 4.125%
HK$2,369
baseline
▲ 0.50% · 4.625%
HK$2,513
+HK$144/mo
Deposit HK$489K · loan HK$489K · min. income ≈ HK$4,738/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,480
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,546
−HK$68/mo
Today · 4.125%
HK$2,614
baseline
▲ 0.50% · 4.625%
HK$2,752
+HK$138/mo
Deposit HK$489K · loan HK$489K · min. income ≈ HK$5,228/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,675
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,758
−HK$85/mo
Today · 4.125%
HK$2,843
baseline
▲ 0.50% · 4.625%
HK$3,016
+HK$173/mo
Deposit HK$391K · loan HK$587K · min. income ≈ HK$5,686/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,976
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,056
−HK$81/mo
Today · 4.125%
HK$3,137
baseline
▲ 0.50% · 4.625%
HK$3,302
+HK$165/mo
Deposit HK$391K · loan HK$587K · min. income ≈ HK$6,274/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,121
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,218
−HK$99/mo
Today · 4.125%
HK$3,317
baseline
▲ 0.50% · 4.625%
HK$3,518
+HK$201/mo
Deposit HK$293K · loan HK$684K · min. income ≈ HK$6,634/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,472
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,565
−HK$94/mo
Today · 4.125%
HK$3,659
baseline
▲ 0.50% · 4.625%
HK$3,852
+HK$193/mo
Deposit HK$293K · loan HK$684K · min. income ≈ HK$7,318/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,012
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$127/mo
Today · 4.125%
HK$4,264
baseline
▲ 0.50% · 4.625%
HK$4,524
+HK$260/mo
Deposit HK$98K · loan HK$880K · min. income ≈ HK$8,528/mo (50% DSR)
Upfront cash ≈ HK$98K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,464
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,584
−HK$121/mo
Today · 4.125%
HK$4,705
baseline
▲ 0.50% · 4.625%
HK$4,953
+HK$248/mo
Deposit HK$98K · loan HK$880K · min. income ≈ HK$9,410/mo (50% DSR)
Upfront cash ≈ HK$98K (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).