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$1,962
−HK$123/mo
▼ 0.25% · 3.875%
HK$2,023
−HK$62/mo
Today · 4.125%
HK$2,085
baseline
▲ 0.50% · 4.625%
HK$2,212
+HK$127/mo
Deposit HK$430K · loan HK$430K · min. income ≈ HK$4,170/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,183
−HK$118/mo
▼ 0.25% · 3.875%
HK$2,241
−HK$60/mo
Today · 4.125%
HK$2,301
baseline
▲ 0.50% · 4.625%
HK$2,422
+HK$121/mo
Deposit HK$430K · loan HK$430K · min. income ≈ HK$4,602/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,355
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,428
−HK$74/mo
Today · 4.125%
HK$2,502
baseline
▲ 0.50% · 4.625%
HK$2,655
+HK$153/mo
Deposit HK$344K · loan HK$516K · min. income ≈ HK$5,004/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,620
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,690
−HK$71/mo
Today · 4.125%
HK$2,761
baseline
▲ 0.50% · 4.625%
HK$2,907
+HK$146/mo
Deposit HK$344K · loan HK$516K · min. income ≈ HK$5,522/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,747
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,833
−HK$86/mo
Today · 4.125%
HK$2,919
baseline
▲ 0.50% · 4.625%
HK$3,097
+HK$178/mo
Deposit HK$258K · loan HK$602K · min. income ≈ HK$5,838/mo (50% DSR)
Upfront cash ≈ HK$258K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,056
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,138
−HK$83/mo
Today · 4.125%
HK$3,221
baseline
▲ 0.50% · 4.625%
HK$3,391
+HK$170/mo
Deposit HK$258K · loan HK$602K · min. income ≈ HK$6,442/mo (50% DSR)
Upfront cash ≈ HK$258K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,532
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,642
−HK$111/mo
Today · 4.125%
HK$3,753
baseline
▲ 0.50% · 4.625%
HK$3,982
+HK$229/mo
Deposit HK$86K · loan HK$774K · min. income ≈ HK$7,506/mo (50% DSR)
Upfront cash ≈ HK$86K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,929
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,035
−HK$107/mo
Today · 4.125%
HK$4,142
baseline
▲ 0.50% · 4.625%
HK$4,360
+HK$218/mo
Deposit HK$86K · loan HK$774K · min. income ≈ HK$8,284/mo (50% DSR)
Upfront cash ≈ HK$86K (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).