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$2,385
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,459
−HK$75/mo
Today · 4.125%
HK$2,534
baseline
▲ 0.50% · 4.625%
HK$2,689
+HK$155/mo
Deposit HK$523K · loan HK$523K · min. income ≈ HK$5,068/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,653
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,724
−HK$72/mo
Today · 4.125%
HK$2,796
baseline
▲ 0.50% · 4.625%
HK$2,944
+HK$148/mo
Deposit HK$523K · loan HK$523K · min. income ≈ HK$5,592/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,862
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,951
−HK$90/mo
Today · 4.125%
HK$3,041
baseline
▲ 0.50% · 4.625%
HK$3,226
+HK$185/mo
Deposit HK$418K · loan HK$628K · min. income ≈ HK$6,082/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$3,184
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,269
−HK$87/mo
Today · 4.125%
HK$3,356
baseline
▲ 0.50% · 4.625%
HK$3,533
+HK$177/mo
Deposit HK$418K · loan HK$628K · min. income ≈ HK$6,712/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$3,339
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,443
−HK$105/mo
Today · 4.125%
HK$3,548
baseline
▲ 0.50% · 4.625%
HK$3,764
+HK$216/mo
Deposit HK$314K · loan HK$732K · min. income ≈ HK$7,096/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,714
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,814
−HK$101/mo
Today · 4.125%
HK$3,915
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$206/mo
Deposit HK$314K · loan HK$732K · min. income ≈ HK$7,830/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,293
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,426
−HK$136/mo
Today · 4.125%
HK$4,562
baseline
▲ 0.50% · 4.625%
HK$4,840
+HK$278/mo
Deposit HK$105K · loan HK$941K · min. income ≈ HK$9,124/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$4,776
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$130/mo
Today · 4.125%
HK$5,034
baseline
▲ 0.50% · 4.625%
HK$5,299
+HK$265/mo
Deposit HK$105K · loan HK$941K · min. income ≈ HK$10,068/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).