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$2,401
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,475
−HK$76/mo
Today · 4.125%
HK$2,551
baseline
▲ 0.50% · 4.625%
HK$2,707
+HK$156/mo
Deposit HK$526K · loan HK$526K · min. income ≈ HK$5,102/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,671
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,742
−HK$73/mo
Today · 4.125%
HK$2,815
baseline
▲ 0.50% · 4.625%
HK$2,963
+HK$148/mo
Deposit HK$526K · loan HK$526K · min. income ≈ HK$5,630/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,881
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,971
−HK$91/mo
Today · 4.125%
HK$3,062
baseline
▲ 0.50% · 4.625%
HK$3,248
+HK$186/mo
Deposit HK$421K · loan HK$632K · min. income ≈ HK$6,124/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,205
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,291
−HK$87/mo
Today · 4.125%
HK$3,378
baseline
▲ 0.50% · 4.625%
HK$3,556
+HK$178/mo
Deposit HK$421K · loan HK$632K · min. income ≈ HK$6,756/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,361
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,466
−HK$106/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,789
+HK$217/mo
Deposit HK$316K · loan HK$737K · min. income ≈ HK$7,144/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,739
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,839
−HK$102/mo
Today · 4.125%
HK$3,941
baseline
▲ 0.50% · 4.625%
HK$4,149
+HK$208/mo
Deposit HK$316K · loan HK$737K · min. income ≈ HK$7,882/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,321
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,456
−HK$136/mo
Today · 4.125%
HK$4,592
baseline
▲ 0.50% · 4.625%
HK$4,872
+HK$280/mo
Deposit HK$105K · loan HK$948K · min. income ≈ HK$9,184/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,807
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,936
−HK$131/mo
Today · 4.125%
HK$5,067
baseline
▲ 0.50% · 4.625%
HK$5,334
+HK$267/mo
Deposit HK$105K · loan HK$948K · min. income ≈ HK$10,134/mo (50% DSR)
Upfront cash ≈ HK$105K (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).