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$2,416
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,491
−HK$76/mo
Today · 4.125%
HK$2,567
baseline
▲ 0.50% · 4.625%
HK$2,723
+HK$156/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,134/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,687
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,759
−HK$74/mo
Today · 4.125%
HK$2,833
baseline
▲ 0.50% · 4.625%
HK$2,982
+HK$149/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,666/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,899
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,989
−HK$92/mo
Today · 4.125%
HK$3,081
baseline
▲ 0.50% · 4.625%
HK$3,268
+HK$187/mo
Deposit HK$424K · loan HK$636K · min. income ≈ HK$6,162/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$3,225
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,311
−HK$88/mo
Today · 4.125%
HK$3,399
baseline
▲ 0.50% · 4.625%
HK$3,578
+HK$179/mo
Deposit HK$424K · loan HK$636K · min. income ≈ HK$6,798/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$3,382
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,487
−HK$107/mo
Today · 4.125%
HK$3,594
baseline
▲ 0.50% · 4.625%
HK$3,813
+HK$219/mo
Deposit HK$318K · loan HK$742K · min. income ≈ HK$7,188/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,762
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,863
−HK$103/mo
Today · 4.125%
HK$3,966
baseline
▲ 0.50% · 4.625%
HK$4,175
+HK$209/mo
Deposit HK$318K · loan HK$742K · min. income ≈ HK$7,932/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,348
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,483
−HK$138/mo
Today · 4.125%
HK$4,621
baseline
▲ 0.50% · 4.625%
HK$4,902
+HK$281/mo
Deposit HK$106K · loan HK$953K · min. income ≈ HK$9,242/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$4,837
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,967
−HK$132/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,367
+HK$268/mo
Deposit HK$106K · loan HK$953K · min. income ≈ HK$10,198/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).