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$2,295
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,366
−HK$73/mo
Today · 4.125%
HK$2,439
baseline
▲ 0.50% · 4.625%
HK$2,587
+HK$148/mo
Deposit HK$503K · loan HK$503K · min. income ≈ HK$4,878/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,553
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,621
−HK$70/mo
Today · 4.125%
HK$2,691
baseline
▲ 0.50% · 4.625%
HK$2,833
+HK$142/mo
Deposit HK$503K · loan HK$503K · min. income ≈ HK$5,382/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,754
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,839
−HK$87/mo
Today · 4.125%
HK$2,926
baseline
▲ 0.50% · 4.625%
HK$3,104
+HK$178/mo
Deposit HK$403K · loan HK$604K · min. income ≈ HK$5,852/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,063
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,145
−HK$84/mo
Today · 4.125%
HK$3,229
baseline
▲ 0.50% · 4.625%
HK$3,399
+HK$170/mo
Deposit HK$403K · loan HK$604K · min. income ≈ HK$6,458/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,213
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,312
−HK$102/mo
Today · 4.125%
HK$3,414
baseline
▲ 0.50% · 4.625%
HK$3,622
+HK$208/mo
Deposit HK$302K · loan HK$704K · min. income ≈ HK$6,828/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,574
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,670
−HK$97/mo
Today · 4.125%
HK$3,767
baseline
▲ 0.50% · 4.625%
HK$3,966
+HK$199/mo
Deposit HK$302K · loan HK$704K · min. income ≈ HK$7,534/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,130
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,259
−HK$130/mo
Today · 4.125%
HK$4,389
baseline
▲ 0.50% · 4.625%
HK$4,656
+HK$267/mo
Deposit HK$101K · loan HK$906K · min. income ≈ HK$8,778/mo (50% DSR)
Upfront cash ≈ HK$101K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,595
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,718
−HK$125/mo
Today · 4.125%
HK$4,843
baseline
▲ 0.50% · 4.625%
HK$5,099
+HK$256/mo
Deposit HK$101K · loan HK$906K · min. income ≈ HK$9,686/mo (50% DSR)
Upfront cash ≈ HK$101K (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).