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$2,230
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,299
−HK$71/mo
Today · 4.125%
HK$2,370
baseline
▲ 0.50% · 4.625%
HK$2,514
+HK$144/mo
Deposit HK$489K · loan HK$489K · min. income ≈ HK$4,740/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,481
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,547
−HK$68/mo
Today · 4.125%
HK$2,615
baseline
▲ 0.50% · 4.625%
HK$2,753
+HK$138/mo
Deposit HK$489K · loan HK$489K · min. income ≈ HK$5,230/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,676
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,759
−HK$85/mo
Today · 4.125%
HK$2,844
baseline
▲ 0.50% · 4.625%
HK$3,017
+HK$173/mo
Deposit HK$391K · loan HK$587K · min. income ≈ HK$5,688/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,977
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,057
−HK$81/mo
Today · 4.125%
HK$3,138
baseline
▲ 0.50% · 4.625%
HK$3,303
+HK$165/mo
Deposit HK$391K · loan HK$587K · min. income ≈ HK$6,276/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,122
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,219
−HK$99/mo
Today · 4.125%
HK$3,318
baseline
▲ 0.50% · 4.625%
HK$3,520
+HK$202/mo
Deposit HK$293K · loan HK$685K · min. income ≈ HK$6,636/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,473
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,566
−HK$95/mo
Today · 4.125%
HK$3,661
baseline
▲ 0.50% · 4.625%
HK$3,854
+HK$193/mo
Deposit HK$293K · loan HK$685K · min. income ≈ HK$7,322/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,014
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,139
−HK$127/mo
Today · 4.125%
HK$4,266
baseline
▲ 0.50% · 4.625%
HK$4,525
+HK$259/mo
Deposit HK$98K · loan HK$880K · min. income ≈ HK$8,532/mo (50% DSR)
Upfront cash ≈ HK$98K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,466
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,585
−HK$122/mo
Today · 4.125%
HK$4,707
baseline
▲ 0.50% · 4.625%
HK$4,955
+HK$248/mo
Deposit HK$98K · loan HK$880K · min. income ≈ HK$9,414/mo (50% DSR)
Upfront cash ≈ HK$98K (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).