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$2,363
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,437
−HK$75/mo
Today · 4.125%
HK$2,512
baseline
▲ 0.50% · 4.625%
HK$2,664
+HK$152/mo
Deposit HK$518K · loan HK$518K · min. income ≈ HK$5,024/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,629
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,700
−HK$71/mo
Today · 4.125%
HK$2,771
baseline
▲ 0.50% · 4.625%
HK$2,917
+HK$146/mo
Deposit HK$518K · loan HK$518K · min. income ≈ HK$5,542/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,836
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,924
−HK$90/mo
Today · 4.125%
HK$3,014
baseline
▲ 0.50% · 4.625%
HK$3,197
+HK$183/mo
Deposit HK$415K · loan HK$622K · min. income ≈ HK$6,028/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,155
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,240
−HK$86/mo
Today · 4.125%
HK$3,326
baseline
▲ 0.50% · 4.625%
HK$3,501
+HK$175/mo
Deposit HK$415K · loan HK$622K · min. income ≈ HK$6,652/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,309
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,412
−HK$104/mo
Today · 4.125%
HK$3,516
baseline
▲ 0.50% · 4.625%
HK$3,730
+HK$214/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,032/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,681
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,780
−HK$100/mo
Today · 4.125%
HK$3,880
baseline
▲ 0.50% · 4.625%
HK$4,084
+HK$204/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,760/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,254
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,386
−HK$135/mo
Today · 4.125%
HK$4,521
baseline
▲ 0.50% · 4.625%
HK$4,796
+HK$275/mo
Deposit HK$104K · loan HK$933K · min. income ≈ HK$9,042/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$4,733
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,860
−HK$128/mo
Today · 4.125%
HK$4,988
baseline
▲ 0.50% · 4.625%
HK$5,251
+HK$263/mo
Deposit HK$104K · loan HK$933K · min. income ≈ HK$9,976/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).