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$2,274
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,345
−HK$72/mo
Today · 4.125%
HK$2,417
baseline
▲ 0.50% · 4.625%
HK$2,564
+HK$147/mo
Deposit HK$499K · loan HK$499K · min. income ≈ HK$4,834/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,530
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,598
−HK$69/mo
Today · 4.125%
HK$2,667
baseline
▲ 0.50% · 4.625%
HK$2,807
+HK$140/mo
Deposit HK$499K · loan HK$499K · min. income ≈ HK$5,334/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,729
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,814
−HK$86/mo
Today · 4.125%
HK$2,900
baseline
▲ 0.50% · 4.625%
HK$3,076
+HK$176/mo
Deposit HK$399K · loan HK$598K · min. income ≈ HK$5,800/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,036
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,117
−HK$83/mo
Today · 4.125%
HK$3,200
baseline
▲ 0.50% · 4.625%
HK$3,368
+HK$168/mo
Deposit HK$399K · loan HK$598K · min. income ≈ HK$6,400/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,184
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,283
−HK$100/mo
Today · 4.125%
HK$3,383
baseline
▲ 0.50% · 4.625%
HK$3,589
+HK$206/mo
Deposit HK$299K · loan HK$698K · min. income ≈ HK$6,766/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,542
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,637
−HK$96/mo
Today · 4.125%
HK$3,733
baseline
▲ 0.50% · 4.625%
HK$3,930
+HK$197/mo
Deposit HK$299K · loan HK$698K · min. income ≈ HK$7,466/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,093
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,221
−HK$129/mo
Today · 4.125%
HK$4,350
baseline
▲ 0.50% · 4.625%
HK$4,615
+HK$265/mo
Deposit HK$100K · loan HK$898K · min. income ≈ HK$8,700/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,554
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,676
−HK$124/mo
Today · 4.125%
HK$4,800
baseline
▲ 0.50% · 4.625%
HK$5,053
+HK$253/mo
Deposit HK$100K · loan HK$898K · min. income ≈ HK$9,600/mo (50% DSR)
Upfront cash ≈ HK$100K (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).