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$2,420
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,496
−HK$76/mo
Today · 4.125%
HK$2,572
baseline
▲ 0.50% · 4.625%
HK$2,729
+HK$157/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,144/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,693
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,765
−HK$73/mo
Today · 4.125%
HK$2,838
baseline
▲ 0.50% · 4.625%
HK$2,988
+HK$150/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,676/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,904
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,995
−HK$91/mo
Today · 4.125%
HK$3,086
baseline
▲ 0.50% · 4.625%
HK$3,274
+HK$188/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,172/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,231
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,318
−HK$88/mo
Today · 4.125%
HK$3,406
baseline
▲ 0.50% · 4.625%
HK$3,585
+HK$179/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,812/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,388
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,494
−HK$107/mo
Today · 4.125%
HK$3,601
baseline
▲ 0.50% · 4.625%
HK$3,820
+HK$219/mo
Deposit HK$318K · loan HK$743K · min. income ≈ HK$7,202/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,770
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,871
−HK$102/mo
Today · 4.125%
HK$3,973
baseline
▲ 0.50% · 4.625%
HK$4,183
+HK$210/mo
Deposit HK$318K · loan HK$743K · min. income ≈ HK$7,946/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,356
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,492
−HK$138/mo
Today · 4.125%
HK$4,630
baseline
▲ 0.50% · 4.625%
HK$4,911
+HK$281/mo
Deposit HK$106K · loan HK$955K · min. income ≈ HK$9,260/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,847
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,977
−HK$131/mo
Today · 4.125%
HK$5,108
baseline
▲ 0.50% · 4.625%
HK$5,378
+HK$270/mo
Deposit HK$106K · loan HK$955K · min. income ≈ HK$10,216/mo (50% DSR)
Upfront cash ≈ HK$106K (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).