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$1,733
−HK$109/mo
▼ 0.25% · 3.875%
HK$1,787
−HK$55/mo
Today · 4.125%
HK$1,842
baseline
▲ 0.50% · 4.625%
HK$1,954
+HK$112/mo
Deposit HK$380K · loan HK$380K · min. income ≈ HK$3,684/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,928
−HK$104/mo
▼ 0.25% · 3.875%
HK$1,980
−HK$52/mo
Today · 4.125%
HK$2,032
baseline
▲ 0.50% · 4.625%
HK$2,139
+HK$107/mo
Deposit HK$380K · loan HK$380K · min. income ≈ HK$4,064/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,080
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,145
−HK$65/mo
Today · 4.125%
HK$2,210
baseline
▲ 0.50% · 4.625%
HK$2,345
+HK$135/mo
Deposit HK$304K · loan HK$456K · min. income ≈ HK$4,420/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,314
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,376
−HK$63/mo
Today · 4.125%
HK$2,439
baseline
▲ 0.50% · 4.625%
HK$2,567
+HK$128/mo
Deposit HK$304K · loan HK$456K · min. income ≈ HK$4,878/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,426
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,502
−HK$77/mo
Today · 4.125%
HK$2,579
baseline
▲ 0.50% · 4.625%
HK$2,736
+HK$157/mo
Deposit HK$228K · loan HK$532K · min. income ≈ HK$5,158/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,699
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,772
−HK$73/mo
Today · 4.125%
HK$2,845
baseline
▲ 0.50% · 4.625%
HK$2,995
+HK$150/mo
Deposit HK$228K · loan HK$532K · min. income ≈ HK$5,690/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,120
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,217
−HK$98/mo
Today · 4.125%
HK$3,315
baseline
▲ 0.50% · 4.625%
HK$3,517
+HK$202/mo
Deposit HK$76K · loan HK$684K · min. income ≈ HK$6,630/mo (50% DSR)
Upfront cash ≈ HK$76K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,471
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,564
−HK$94/mo
Today · 4.125%
HK$3,658
baseline
▲ 0.50% · 4.625%
HK$3,851
+HK$193/mo
Deposit HK$76K · loan HK$684K · min. income ≈ HK$7,316/mo (50% DSR)
Upfront cash ≈ HK$76K (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).