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$1,754
−HK$110/mo
▼ 0.25% · 3.875%
HK$1,809
−HK$55/mo
Today · 4.125%
HK$1,864
baseline
▲ 0.50% · 4.625%
HK$1,977
+HK$113/mo
Deposit HK$385K · loan HK$385K · min. income ≈ HK$3,728/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$1,951
−HK$106/mo
▼ 0.25% · 3.875%
HK$2,004
−HK$53/mo
Today · 4.125%
HK$2,057
baseline
▲ 0.50% · 4.625%
HK$2,165
+HK$108/mo
Deposit HK$385K · loan HK$385K · min. income ≈ HK$4,114/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$2,105
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,170
−HK$67/mo
Today · 4.125%
HK$2,237
baseline
▲ 0.50% · 4.625%
HK$2,373
+HK$136/mo
Deposit HK$308K · loan HK$462K · min. income ≈ HK$4,474/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$2,342
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,404
−HK$64/mo
Today · 4.125%
HK$2,468
baseline
▲ 0.50% · 4.625%
HK$2,598
+HK$130/mo
Deposit HK$308K · loan HK$462K · min. income ≈ HK$4,936/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$2,456
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,532
−HK$78/mo
Today · 4.125%
HK$2,610
baseline
▲ 0.50% · 4.625%
HK$2,768
+HK$158/mo
Deposit HK$231K · loan HK$538K · min. income ≈ HK$5,220/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$2,732
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,805
−HK$74/mo
Today · 4.125%
HK$2,879
baseline
▲ 0.50% · 4.625%
HK$3,031
+HK$152/mo
Deposit HK$231K · loan HK$538K · min. income ≈ HK$5,758/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$3,157
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,255
−HK$100/mo
Today · 4.125%
HK$3,355
baseline
▲ 0.50% · 4.625%
HK$3,559
+HK$204/mo
Deposit HK$77K · loan HK$692K · min. income ≈ HK$6,710/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$3,512
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,606
−HK$96/mo
Today · 4.125%
HK$3,702
baseline
▲ 0.50% · 4.625%
HK$3,897
+HK$195/mo
Deposit HK$77K · loan HK$692K · min. income ≈ HK$7,404/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).