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$2,512
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,590
−HK$79/mo
Today · 4.125%
HK$2,669
baseline
▲ 0.50% · 4.625%
HK$2,832
+HK$163/mo
Deposit HK$551K · loan HK$551K · min. income ≈ HK$5,338/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,794
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,869
−HK$76/mo
Today · 4.125%
HK$2,945
baseline
▲ 0.50% · 4.625%
HK$3,101
+HK$156/mo
Deposit HK$551K · loan HK$551K · min. income ≈ HK$5,890/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,014
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,108
−HK$95/mo
Today · 4.125%
HK$3,203
baseline
▲ 0.50% · 4.625%
HK$3,398
+HK$195/mo
Deposit HK$441K · loan HK$661K · min. income ≈ HK$6,406/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,353
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,443
−HK$91/mo
Today · 4.125%
HK$3,534
baseline
▲ 0.50% · 4.625%
HK$3,721
+HK$187/mo
Deposit HK$441K · loan HK$661K · min. income ≈ HK$7,068/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,516
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,626
−HK$111/mo
Today · 4.125%
HK$3,737
baseline
▲ 0.50% · 4.625%
HK$3,964
+HK$227/mo
Deposit HK$330K · loan HK$771K · min. income ≈ HK$7,474/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,912
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,017
−HK$106/mo
Today · 4.125%
HK$4,123
baseline
▲ 0.50% · 4.625%
HK$4,341
+HK$218/mo
Deposit HK$330K · loan HK$771K · min. income ≈ HK$8,246/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,521
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,662
−HK$143/mo
Today · 4.125%
HK$4,805
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$292/mo
Deposit HK$110K · loan HK$991K · min. income ≈ HK$9,610/mo (50% DSR)
Upfront cash ≈ HK$110K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,030
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,165
−HK$136/mo
Today · 4.125%
HK$5,301
baseline
▲ 0.50% · 4.625%
HK$5,581
+HK$280/mo
Deposit HK$110K · loan HK$991K · min. income ≈ HK$10,602/mo (50% DSR)
Upfront cash ≈ HK$110K (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).