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$2,375
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,449
−HK$75/mo
Today · 4.125%
HK$2,524
baseline
▲ 0.50% · 4.625%
HK$2,678
+HK$154/mo
Deposit HK$521K · loan HK$521K · min. income ≈ HK$5,048/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,643
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,713
−HK$72/mo
Today · 4.125%
HK$2,785
baseline
▲ 0.50% · 4.625%
HK$2,932
+HK$147/mo
Deposit HK$521K · loan HK$521K · min. income ≈ HK$5,570/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,850
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,939
−HK$90/mo
Today · 4.125%
HK$3,029
baseline
▲ 0.50% · 4.625%
HK$3,214
+HK$185/mo
Deposit HK$417K · loan HK$625K · min. income ≈ HK$6,058/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,171
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,256
−HK$86/mo
Today · 4.125%
HK$3,342
baseline
▲ 0.50% · 4.625%
HK$3,519
+HK$177/mo
Deposit HK$417K · loan HK$625K · min. income ≈ HK$6,684/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,326
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,429
−HK$105/mo
Today · 4.125%
HK$3,534
baseline
▲ 0.50% · 4.625%
HK$3,749
+HK$215/mo
Deposit HK$313K · loan HK$729K · min. income ≈ HK$7,068/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,700
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,799
−HK$100/mo
Today · 4.125%
HK$3,899
baseline
▲ 0.50% · 4.625%
HK$4,105
+HK$206/mo
Deposit HK$313K · loan HK$729K · min. income ≈ HK$7,798/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,276
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,409
−HK$135/mo
Today · 4.125%
HK$4,544
baseline
▲ 0.50% · 4.625%
HK$4,820
+HK$276/mo
Deposit HK$104K · loan HK$938K · min. income ≈ HK$9,088/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,757
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,884
−HK$130/mo
Today · 4.125%
HK$5,014
baseline
▲ 0.50% · 4.625%
HK$5,278
+HK$264/mo
Deposit HK$104K · loan HK$938K · min. income ≈ HK$10,028/mo (50% DSR)
Upfront cash ≈ HK$104K (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).