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$2,280
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,351
−HK$72/mo
Today · 4.125%
HK$2,423
baseline
▲ 0.50% · 4.625%
HK$2,570
+HK$147/mo
Deposit HK$500K · loan HK$500K · min. income ≈ HK$4,846/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,536
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,604
−HK$69/mo
Today · 4.125%
HK$2,673
baseline
▲ 0.50% · 4.625%
HK$2,814
+HK$141/mo
Deposit HK$500K · loan HK$500K · min. income ≈ HK$5,346/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,736
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,821
−HK$86/mo
Today · 4.125%
HK$2,907
baseline
▲ 0.50% · 4.625%
HK$3,084
+HK$177/mo
Deposit HK$400K · loan HK$600K · min. income ≈ HK$5,814/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,043
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,125
−HK$83/mo
Today · 4.125%
HK$3,208
baseline
▲ 0.50% · 4.625%
HK$3,377
+HK$169/mo
Deposit HK$400K · loan HK$600K · min. income ≈ HK$6,416/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,192
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,291
−HK$101/mo
Today · 4.125%
HK$3,392
baseline
▲ 0.50% · 4.625%
HK$3,598
+HK$206/mo
Deposit HK$300K · loan HK$700K · min. income ≈ HK$6,784/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,551
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,646
−HK$97/mo
Today · 4.125%
HK$3,743
baseline
▲ 0.50% · 4.625%
HK$3,940
+HK$197/mo
Deposit HK$300K · loan HK$700K · min. income ≈ HK$7,486/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,104
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,231
−HK$130/mo
Today · 4.125%
HK$4,361
baseline
▲ 0.50% · 4.625%
HK$4,626
+HK$265/mo
Deposit HK$100K · loan HK$900K · min. income ≈ HK$8,722/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,565
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,688
−HK$124/mo
Today · 4.125%
HK$4,812
baseline
▲ 0.50% · 4.625%
HK$5,065
+HK$253/mo
Deposit HK$100K · loan HK$900K · min. income ≈ HK$9,624/mo (50% DSR)
Upfront cash ≈ HK$100K (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).