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$2,474
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,551
−HK$78/mo
Today · 4.125%
HK$2,629
baseline
▲ 0.50% · 4.625%
HK$2,789
+HK$160/mo
Deposit HK$543K · loan HK$543K · min. income ≈ HK$5,258/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,753
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,826
−HK$75/mo
Today · 4.125%
HK$2,901
baseline
▲ 0.50% · 4.625%
HK$3,054
+HK$153/mo
Deposit HK$543K · loan HK$543K · min. income ≈ HK$5,802/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,969
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,062
−HK$93/mo
Today · 4.125%
HK$3,155
baseline
▲ 0.50% · 4.625%
HK$3,347
+HK$192/mo
Deposit HK$434K · loan HK$651K · min. income ≈ HK$6,310/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,303
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,392
−HK$90/mo
Today · 4.125%
HK$3,482
baseline
▲ 0.50% · 4.625%
HK$3,665
+HK$183/mo
Deposit HK$434K · loan HK$651K · min. income ≈ HK$6,964/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,464
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,572
−HK$109/mo
Today · 4.125%
HK$3,681
baseline
▲ 0.50% · 4.625%
HK$3,905
+HK$224/mo
Deposit HK$326K · loan HK$760K · min. income ≈ HK$7,362/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,854
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,957
−HK$105/mo
Today · 4.125%
HK$4,062
baseline
▲ 0.50% · 4.625%
HK$4,276
+HK$214/mo
Deposit HK$326K · loan HK$760K · min. income ≈ HK$8,124/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,454
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,592
−HK$141/mo
Today · 4.125%
HK$4,733
baseline
▲ 0.50% · 4.625%
HK$5,021
+HK$288/mo
Deposit HK$109K · loan HK$977K · min. income ≈ HK$9,466/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,955
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,088
−HK$134/mo
Today · 4.125%
HK$5,222
baseline
▲ 0.50% · 4.625%
HK$5,498
+HK$276/mo
Deposit HK$109K · loan HK$977K · min. income ≈ HK$10,444/mo (50% DSR)
Upfront cash ≈ HK$109K (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).