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$2,435
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,511
−HK$77/mo
Today · 4.125%
HK$2,588
baseline
▲ 0.50% · 4.625%
HK$2,745
+HK$157/mo
Deposit HK$534K · loan HK$534K · min. income ≈ HK$5,176/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,709
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,781
−HK$74/mo
Today · 4.125%
HK$2,855
baseline
▲ 0.50% · 4.625%
HK$3,006
+HK$151/mo
Deposit HK$534K · loan HK$534K · min. income ≈ HK$5,710/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,922
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,013
−HK$92/mo
Today · 4.125%
HK$3,105
baseline
▲ 0.50% · 4.625%
HK$3,294
+HK$189/mo
Deposit HK$427K · loan HK$641K · min. income ≈ HK$6,210/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,251
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,338
−HK$88/mo
Today · 4.125%
HK$3,426
baseline
▲ 0.50% · 4.625%
HK$3,607
+HK$181/mo
Deposit HK$427K · loan HK$641K · min. income ≈ HK$6,852/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,409
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,515
−HK$108/mo
Today · 4.125%
HK$3,623
baseline
▲ 0.50% · 4.625%
HK$3,843
+HK$220/mo
Deposit HK$320K · loan HK$747K · min. income ≈ HK$7,246/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,792
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,894
−HK$103/mo
Today · 4.125%
HK$3,997
baseline
▲ 0.50% · 4.625%
HK$4,208
+HK$211/mo
Deposit HK$320K · loan HK$747K · min. income ≈ HK$7,994/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,383
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,519
−HK$139/mo
Today · 4.125%
HK$4,658
baseline
▲ 0.50% · 4.625%
HK$4,941
+HK$283/mo
Deposit HK$107K · loan HK$961K · min. income ≈ HK$9,316/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$132/mo
Today · 4.125%
HK$5,139
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$271/mo
Deposit HK$107K · loan HK$961K · min. income ≈ HK$10,278/mo (50% DSR)
Upfront cash ≈ HK$107K (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).