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$2,240
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,310
−HK$71/mo
Today · 4.125%
HK$2,381
baseline
▲ 0.50% · 4.625%
HK$2,525
+HK$144/mo
Deposit HK$491K · loan HK$491K · min. income ≈ HK$4,762/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,492
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,559
−HK$68/mo
Today · 4.125%
HK$2,627
baseline
▲ 0.50% · 4.625%
HK$2,765
+HK$138/mo
Deposit HK$491K · loan HK$491K · min. income ≈ HK$5,254/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,688
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,772
−HK$85/mo
Today · 4.125%
HK$2,857
baseline
▲ 0.50% · 4.625%
HK$3,031
+HK$174/mo
Deposit HK$393K · loan HK$589K · min. income ≈ HK$5,714/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,991
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,071
−HK$81/mo
Today · 4.125%
HK$3,152
baseline
▲ 0.50% · 4.625%
HK$3,318
+HK$166/mo
Deposit HK$393K · loan HK$589K · min. income ≈ HK$6,304/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,136
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,234
−HK$99/mo
Today · 4.125%
HK$3,333
baseline
▲ 0.50% · 4.625%
HK$3,536
+HK$203/mo
Deposit HK$295K · loan HK$688K · min. income ≈ HK$6,666/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,489
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,583
−HK$95/mo
Today · 4.125%
HK$3,678
baseline
▲ 0.50% · 4.625%
HK$3,871
+HK$193/mo
Deposit HK$295K · loan HK$688K · min. income ≈ HK$7,356/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,032
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,158
−HK$127/mo
Today · 4.125%
HK$4,285
baseline
▲ 0.50% · 4.625%
HK$4,546
+HK$261/mo
Deposit HK$98K · loan HK$884K · min. income ≈ HK$8,570/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$4,486
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,606
−HK$122/mo
Today · 4.125%
HK$4,728
baseline
▲ 0.50% · 4.625%
HK$4,977
+HK$249/mo
Deposit HK$98K · loan HK$884K · min. income ≈ HK$9,456/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).