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$2,367
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,441
−HK$75/mo
Today · 4.125%
HK$2,516
baseline
▲ 0.50% · 4.625%
HK$2,669
+HK$153/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,032/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,633
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,704
−HK$72/mo
Today · 4.125%
HK$2,776
baseline
▲ 0.50% · 4.625%
HK$2,922
+HK$146/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,552/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,841
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,929
−HK$90/mo
Today · 4.125%
HK$3,019
baseline
▲ 0.50% · 4.625%
HK$3,202
+HK$183/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,038/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$3,160
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,245
−HK$86/mo
Today · 4.125%
HK$3,331
baseline
▲ 0.50% · 4.625%
HK$3,506
+HK$175/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,662/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$3,314
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,417
−HK$105/mo
Today · 4.125%
HK$3,522
baseline
▲ 0.50% · 4.625%
HK$3,736
+HK$214/mo
Deposit HK$311K · loan HK$727K · min. income ≈ HK$7,044/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,687
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,786
−HK$100/mo
Today · 4.125%
HK$3,886
baseline
▲ 0.50% · 4.625%
HK$4,091
+HK$205/mo
Deposit HK$311K · loan HK$727K · min. income ≈ HK$7,772/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,261
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,393
−HK$135/mo
Today · 4.125%
HK$4,528
baseline
▲ 0.50% · 4.625%
HK$4,804
+HK$276/mo
Deposit HK$104K · loan HK$934K · min. income ≈ HK$9,056/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$4,740
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$129/mo
Today · 4.125%
HK$4,996
baseline
▲ 0.50% · 4.625%
HK$5,260
+HK$264/mo
Deposit HK$104K · loan HK$934K · min. income ≈ HK$9,992/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).