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$2,380
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,454
−HK$75/mo
Today · 4.125%
HK$2,529
baseline
▲ 0.50% · 4.625%
HK$2,683
+HK$154/mo
Deposit HK$522K · loan HK$522K · min. income ≈ HK$5,058/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,647
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,718
−HK$72/mo
Today · 4.125%
HK$2,790
baseline
▲ 0.50% · 4.625%
HK$2,937
+HK$147/mo
Deposit HK$522K · loan HK$522K · min. income ≈ HK$5,580/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,856
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,944
−HK$91/mo
Today · 4.125%
HK$3,035
baseline
▲ 0.50% · 4.625%
HK$3,219
+HK$184/mo
Deposit HK$417K · loan HK$626K · min. income ≈ HK$6,070/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,177
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,262
−HK$86/mo
Today · 4.125%
HK$3,348
baseline
▲ 0.50% · 4.625%
HK$3,525
+HK$177/mo
Deposit HK$417K · loan HK$626K · min. income ≈ HK$6,696/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,332
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,435
−HK$105/mo
Today · 4.125%
HK$3,540
baseline
▲ 0.50% · 4.625%
HK$3,756
+HK$216/mo
Deposit HK$313K · loan HK$731K · min. income ≈ HK$7,080/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$3,706
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,806
−HK$101/mo
Today · 4.125%
HK$3,907
baseline
▲ 0.50% · 4.625%
HK$4,112
+HK$205/mo
Deposit HK$313K · loan HK$731K · min. income ≈ HK$7,814/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$4,283
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,417
−HK$135/mo
Today · 4.125%
HK$4,552
baseline
▲ 0.50% · 4.625%
HK$4,829
+HK$277/mo
Deposit HK$104K · loan HK$939K · min. income ≈ HK$9,104/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$4,765
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$130/mo
Today · 4.125%
HK$5,023
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$264/mo
Deposit HK$104K · loan HK$939K · min. income ≈ HK$10,046/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).