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$1,757
−HK$110/mo
▼ 0.25% · 3.875%
HK$1,812
−HK$55/mo
Today · 4.125%
HK$1,867
baseline
▲ 0.50% · 4.625%
HK$1,981
+HK$114/mo
Deposit HK$385K · loan HK$385K · min. income ≈ HK$3,734/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,955
−HK$105/mo
▼ 0.25% · 3.875%
HK$2,007
−HK$53/mo
Today · 4.125%
HK$2,060
baseline
▲ 0.50% · 4.625%
HK$2,169
+HK$109/mo
Deposit HK$385K · loan HK$385K · min. income ≈ HK$4,120/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,108
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,174
−HK$67/mo
Today · 4.125%
HK$2,241
baseline
▲ 0.50% · 4.625%
HK$2,377
+HK$136/mo
Deposit HK$308K · loan HK$462K · min. income ≈ HK$4,482/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,346
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,408
−HK$64/mo
Today · 4.125%
HK$2,472
baseline
▲ 0.50% · 4.625%
HK$2,603
+HK$131/mo
Deposit HK$308K · loan HK$462K · min. income ≈ HK$4,944/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,460
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,536
−HK$78/mo
Today · 4.125%
HK$2,614
baseline
▲ 0.50% · 4.625%
HK$2,773
+HK$159/mo
Deposit HK$231K · loan HK$539K · min. income ≈ HK$5,228/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,736
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,810
−HK$74/mo
Today · 4.125%
HK$2,884
baseline
▲ 0.50% · 4.625%
HK$3,036
+HK$152/mo
Deposit HK$231K · loan HK$539K · min. income ≈ HK$5,768/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,163
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,261
−HK$100/mo
Today · 4.125%
HK$3,361
baseline
▲ 0.50% · 4.625%
HK$3,565
+HK$204/mo
Deposit HK$77K · loan HK$693K · min. income ≈ HK$6,722/mo (50% DSR)
Upfront cash ≈ HK$77K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,518
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,613
−HK$95/mo
Today · 4.125%
HK$3,708
baseline
▲ 0.50% · 4.625%
HK$3,904
+HK$196/mo
Deposit HK$77K · loan HK$693K · min. income ≈ HK$7,416/mo (50% DSR)
Upfront cash ≈ HK$77K (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).