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$2,487
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,565
−HK$78/mo
Today · 4.125%
HK$2,643
baseline
▲ 0.50% · 4.625%
HK$2,804
+HK$161/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,286/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,767
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,841
−HK$76/mo
Today · 4.125%
HK$2,917
baseline
▲ 0.50% · 4.625%
HK$3,070
+HK$153/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,834/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,985
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,078
−HK$94/mo
Today · 4.125%
HK$3,172
baseline
▲ 0.50% · 4.625%
HK$3,365
+HK$193/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,344/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,321
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,410
−HK$90/mo
Today · 4.125%
HK$3,500
baseline
▲ 0.50% · 4.625%
HK$3,684
+HK$184/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$7,000/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,482
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,591
−HK$110/mo
Today · 4.125%
HK$3,701
baseline
▲ 0.50% · 4.625%
HK$3,926
+HK$225/mo
Deposit HK$327K · loan HK$764K · min. income ≈ HK$7,402/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,874
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,978
−HK$105/mo
Today · 4.125%
HK$4,083
baseline
▲ 0.50% · 4.625%
HK$4,299
+HK$216/mo
Deposit HK$327K · loan HK$764K · min. income ≈ HK$8,166/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,477
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,617
−HK$141/mo
Today · 4.125%
HK$4,758
baseline
▲ 0.50% · 4.625%
HK$5,048
+HK$290/mo
Deposit HK$109K · loan HK$982K · min. income ≈ HK$9,516/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$4,981
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,114
−HK$136/mo
Today · 4.125%
HK$5,250
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$277/mo
Deposit HK$109K · loan HK$982K · min. income ≈ HK$10,500/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).