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$2,529
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,607
−HK$80/mo
Today · 4.125%
HK$2,687
baseline
▲ 0.50% · 4.625%
HK$2,851
+HK$164/mo
Deposit HK$554K · loan HK$554K · min. income ≈ HK$5,374/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,813
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,888
−HK$77/mo
Today · 4.125%
HK$2,965
baseline
▲ 0.50% · 4.625%
HK$3,121
+HK$156/mo
Deposit HK$554K · loan HK$554K · min. income ≈ HK$5,930/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,034
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,129
−HK$96/mo
Today · 4.125%
HK$3,225
baseline
▲ 0.50% · 4.625%
HK$3,421
+HK$196/mo
Deposit HK$444K · loan HK$665K · min. income ≈ HK$6,450/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,376
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,466
−HK$92/mo
Today · 4.125%
HK$3,558
baseline
▲ 0.50% · 4.625%
HK$3,745
+HK$187/mo
Deposit HK$444K · loan HK$665K · min. income ≈ HK$7,116/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,540
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,650
−HK$112/mo
Today · 4.125%
HK$3,762
baseline
▲ 0.50% · 4.625%
HK$3,991
+HK$229/mo
Deposit HK$333K · loan HK$776K · min. income ≈ HK$7,524/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,938
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,044
−HK$107/mo
Today · 4.125%
HK$4,151
baseline
▲ 0.50% · 4.625%
HK$4,370
+HK$219/mo
Deposit HK$333K · loan HK$776K · min. income ≈ HK$8,302/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,551
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,693
−HK$144/mo
Today · 4.125%
HK$4,837
baseline
▲ 0.50% · 4.625%
HK$5,131
+HK$294/mo
Deposit HK$111K · loan HK$998K · min. income ≈ HK$9,674/mo (50% DSR)
Upfront cash ≈ HK$111K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,063
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,199
−HK$138/mo
Today · 4.125%
HK$5,337
baseline
▲ 0.50% · 4.625%
HK$5,618
+HK$281/mo
Deposit HK$111K · loan HK$998K · min. income ≈ HK$10,674/mo (50% DSR)
Upfront cash ≈ HK$111K (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).