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$2,477
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,554
−HK$79/mo
Today · 4.125%
HK$2,633
baseline
▲ 0.50% · 4.625%
HK$2,793
+HK$160/mo
Deposit HK$543K · loan HK$543K · min. income ≈ HK$5,266/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$2,756
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,830
−HK$75/mo
Today · 4.125%
HK$2,905
baseline
▲ 0.50% · 4.625%
HK$3,058
+HK$153/mo
Deposit HK$543K · loan HK$543K · min. income ≈ HK$5,810/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$2,973
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,065
−HK$94/mo
Today · 4.125%
HK$3,159
baseline
▲ 0.50% · 4.625%
HK$3,351
+HK$192/mo
Deposit HK$435K · loan HK$652K · min. income ≈ HK$6,318/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,307
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,396
−HK$90/mo
Today · 4.125%
HK$3,486
baseline
▲ 0.50% · 4.625%
HK$3,669
+HK$183/mo
Deposit HK$435K · loan HK$652K · min. income ≈ HK$6,972/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,468
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,576
−HK$110/mo
Today · 4.125%
HK$3,686
baseline
▲ 0.50% · 4.625%
HK$3,910
+HK$224/mo
Deposit HK$326K · loan HK$760K · min. income ≈ HK$7,372/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$3,858
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,962
−HK$105/mo
Today · 4.125%
HK$4,067
baseline
▲ 0.50% · 4.625%
HK$4,281
+HK$214/mo
Deposit HK$326K · loan HK$760K · min. income ≈ HK$8,134/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$4,459
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,598
−HK$141/mo
Today · 4.125%
HK$4,739
baseline
▲ 0.50% · 4.625%
HK$5,027
+HK$288/mo
Deposit HK$109K · loan HK$978K · min. income ≈ HK$9,478/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$4,961
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,094
−HK$135/mo
Today · 4.125%
HK$5,229
baseline
▲ 0.50% · 4.625%
HK$5,504
+HK$275/mo
Deposit HK$109K · loan HK$978K · min. income ≈ HK$10,458/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).