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$2,509
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,587
−HK$80/mo
Today · 4.125%
HK$2,667
baseline
▲ 0.50% · 4.625%
HK$2,829
+HK$162/mo
Deposit HK$550K · loan HK$550K · min. income ≈ HK$5,334/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,792
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,867
−HK$76/mo
Today · 4.125%
HK$2,943
baseline
▲ 0.50% · 4.625%
HK$3,098
+HK$155/mo
Deposit HK$550K · loan HK$550K · min. income ≈ HK$5,886/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,011
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,105
−HK$95/mo
Today · 4.125%
HK$3,200
baseline
▲ 0.50% · 4.625%
HK$3,395
+HK$195/mo
Deposit HK$440K · loan HK$660K · min. income ≈ HK$6,400/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,350
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,440
−HK$91/mo
Today · 4.125%
HK$3,531
baseline
▲ 0.50% · 4.625%
HK$3,717
+HK$186/mo
Deposit HK$440K · loan HK$660K · min. income ≈ HK$7,062/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,513
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,622
−HK$111/mo
Today · 4.125%
HK$3,733
baseline
▲ 0.50% · 4.625%
HK$3,961
+HK$228/mo
Deposit HK$330K · loan HK$770K · min. income ≈ HK$7,466/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,908
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,013
−HK$107/mo
Today · 4.125%
HK$4,120
baseline
▲ 0.50% · 4.625%
HK$4,337
+HK$217/mo
Deposit HK$330K · loan HK$770K · min. income ≈ HK$8,240/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,517
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,657
−HK$143/mo
Today · 4.125%
HK$4,800
baseline
▲ 0.50% · 4.625%
HK$5,092
+HK$292/mo
Deposit HK$110K · loan HK$990K · min. income ≈ HK$9,600/mo (50% DSR)
Upfront cash ≈ HK$110K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,025
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,160
−HK$137/mo
Today · 4.125%
HK$5,297
baseline
▲ 0.50% · 4.625%
HK$5,576
+HK$279/mo
Deposit HK$110K · loan HK$990K · min. income ≈ HK$10,594/mo (50% DSR)
Upfront cash ≈ HK$110K (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).