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$2,345
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,418
−HK$74/mo
Today · 4.125%
HK$2,492
baseline
▲ 0.50% · 4.625%
HK$2,644
+HK$152/mo
Deposit HK$514K · loan HK$514K · min. income ≈ HK$4,984/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,609
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,679
−HK$71/mo
Today · 4.125%
HK$2,750
baseline
▲ 0.50% · 4.625%
HK$2,895
+HK$145/mo
Deposit HK$514K · loan HK$514K · min. income ≈ HK$5,500/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,814
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,902
−HK$89/mo
Today · 4.125%
HK$2,991
baseline
▲ 0.50% · 4.625%
HK$3,173
+HK$182/mo
Deposit HK$411K · loan HK$617K · min. income ≈ HK$5,982/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,131
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,215
−HK$85/mo
Today · 4.125%
HK$3,300
baseline
▲ 0.50% · 4.625%
HK$3,474
+HK$174/mo
Deposit HK$411K · loan HK$617K · min. income ≈ HK$6,600/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,283
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,385
−HK$104/mo
Today · 4.125%
HK$3,489
baseline
▲ 0.50% · 4.625%
HK$3,701
+HK$212/mo
Deposit HK$309K · loan HK$720K · min. income ≈ HK$6,978/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,653
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,751
−HK$99/mo
Today · 4.125%
HK$3,850
baseline
▲ 0.50% · 4.625%
HK$4,053
+HK$203/mo
Deposit HK$309K · loan HK$720K · min. income ≈ HK$7,700/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,221
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,353
−HK$133/mo
Today · 4.125%
HK$4,486
baseline
▲ 0.50% · 4.625%
HK$4,759
+HK$273/mo
Deposit HK$103K · loan HK$926K · min. income ≈ HK$8,972/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$4,696
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,822
−HK$128/mo
Today · 4.125%
HK$4,950
baseline
▲ 0.50% · 4.625%
HK$5,211
+HK$261/mo
Deposit HK$103K · loan HK$926K · min. income ≈ HK$9,900/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).