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$2,460
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,537
−HK$77/mo
Today · 4.125%
HK$2,614
baseline
▲ 0.50% · 4.625%
HK$2,774
+HK$160/mo
Deposit HK$539K · loan HK$539K · min. income ≈ HK$5,228/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,737
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,810
−HK$75/mo
Today · 4.125%
HK$2,885
baseline
▲ 0.50% · 4.625%
HK$3,037
+HK$152/mo
Deposit HK$539K · loan HK$539K · min. income ≈ HK$5,770/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,952
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,044
−HK$93/mo
Today · 4.125%
HK$3,137
baseline
▲ 0.50% · 4.625%
HK$3,328
+HK$191/mo
Deposit HK$432K · loan HK$647K · min. income ≈ HK$6,274/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,284
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,372
−HK$90/mo
Today · 4.125%
HK$3,462
baseline
▲ 0.50% · 4.625%
HK$3,644
+HK$182/mo
Deposit HK$432K · loan HK$647K · min. income ≈ HK$6,924/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,444
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,551
−HK$109/mo
Today · 4.125%
HK$3,660
baseline
▲ 0.50% · 4.625%
HK$3,883
+HK$223/mo
Deposit HK$324K · loan HK$755K · min. income ≈ HK$7,320/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,832
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,934
−HK$105/mo
Today · 4.125%
HK$4,039
baseline
▲ 0.50% · 4.625%
HK$4,252
+HK$213/mo
Deposit HK$324K · loan HK$755K · min. income ≈ HK$8,078/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,428
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,566
−HK$140/mo
Today · 4.125%
HK$4,706
baseline
▲ 0.50% · 4.625%
HK$4,992
+HK$286/mo
Deposit HK$108K · loan HK$971K · min. income ≈ HK$9,412/mo (50% DSR)
Upfront cash ≈ HK$108K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,059
−HK$134/mo
Today · 4.125%
HK$5,193
baseline
▲ 0.50% · 4.625%
HK$5,466
+HK$273/mo
Deposit HK$108K · loan HK$971K · min. income ≈ HK$10,386/mo (50% DSR)
Upfront cash ≈ HK$108K (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).