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$2,357
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,430
−HK$75/mo
Today · 4.125%
HK$2,505
baseline
▲ 0.50% · 4.625%
HK$2,657
+HK$152/mo
Deposit HK$517K · loan HK$517K · min. income ≈ HK$5,010/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,622
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,693
−HK$71/mo
Today · 4.125%
HK$2,764
baseline
▲ 0.50% · 4.625%
HK$2,910
+HK$146/mo
Deposit HK$517K · loan HK$517K · min. income ≈ HK$5,528/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,828
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,916
−HK$90/mo
Today · 4.125%
HK$3,006
baseline
▲ 0.50% · 4.625%
HK$3,189
+HK$183/mo
Deposit HK$413K · loan HK$620K · min. income ≈ HK$6,012/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,147
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,231
−HK$86/mo
Today · 4.125%
HK$3,317
baseline
▲ 0.50% · 4.625%
HK$3,491
+HK$174/mo
Deposit HK$413K · loan HK$620K · min. income ≈ HK$6,634/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,300
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,403
−HK$104/mo
Today · 4.125%
HK$3,507
baseline
▲ 0.50% · 4.625%
HK$3,720
+HK$213/mo
Deposit HK$310K · loan HK$724K · min. income ≈ HK$7,014/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,671
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,770
−HK$99/mo
Today · 4.125%
HK$3,869
baseline
▲ 0.50% · 4.625%
HK$4,073
+HK$204/mo
Deposit HK$310K · loan HK$724K · min. income ≈ HK$7,738/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,243
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,375
−HK$134/mo
Today · 4.125%
HK$4,509
baseline
▲ 0.50% · 4.625%
HK$4,783
+HK$274/mo
Deposit HK$103K · loan HK$930K · min. income ≈ HK$9,018/mo (50% DSR)
Upfront cash ≈ HK$103K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,720
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,847
−HK$128/mo
Today · 4.125%
HK$4,975
baseline
▲ 0.50% · 4.625%
HK$5,237
+HK$262/mo
Deposit HK$103K · loan HK$930K · min. income ≈ HK$9,950/mo (50% DSR)
Upfront cash ≈ HK$103K (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).