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$2,312
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,384
−HK$73/mo
Today · 4.125%
HK$2,457
baseline
▲ 0.50% · 4.625%
HK$2,606
+HK$149/mo
Deposit HK$507K · loan HK$507K · min. income ≈ HK$4,914/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,572
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,641
−HK$70/mo
Today · 4.125%
HK$2,711
baseline
▲ 0.50% · 4.625%
HK$2,854
+HK$143/mo
Deposit HK$507K · loan HK$507K · min. income ≈ HK$5,422/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,774
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,861
−HK$87/mo
Today · 4.125%
HK$2,948
baseline
▲ 0.50% · 4.625%
HK$3,128
+HK$180/mo
Deposit HK$406K · loan HK$608K · min. income ≈ HK$5,896/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,086
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,169
−HK$84/mo
Today · 4.125%
HK$3,253
baseline
▲ 0.50% · 4.625%
HK$3,425
+HK$172/mo
Deposit HK$406K · loan HK$608K · min. income ≈ HK$6,506/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,237
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,337
−HK$103/mo
Today · 4.125%
HK$3,440
baseline
▲ 0.50% · 4.625%
HK$3,649
+HK$209/mo
Deposit HK$304K · loan HK$710K · min. income ≈ HK$6,880/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,601
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,697
−HK$98/mo
Today · 4.125%
HK$3,795
baseline
▲ 0.50% · 4.625%
HK$3,995
+HK$200/mo
Deposit HK$304K · loan HK$710K · min. income ≈ HK$7,590/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,162
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,291
−HK$132/mo
Today · 4.125%
HK$4,423
baseline
▲ 0.50% · 4.625%
HK$4,692
+HK$269/mo
Deposit HK$101K · loan HK$913K · min. income ≈ HK$8,846/mo (50% DSR)
Upfront cash ≈ HK$101K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,630
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,754
−HK$126/mo
Today · 4.125%
HK$4,880
baseline
▲ 0.50% · 4.625%
HK$5,137
+HK$257/mo
Deposit HK$101K · loan HK$913K · min. income ≈ HK$9,760/mo (50% DSR)
Upfront cash ≈ HK$101K (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).