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$2,008
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,071
−HK$63/mo
Today · 4.125%
HK$2,134
baseline
▲ 0.50% · 4.625%
HK$2,264
+HK$130/mo
Deposit HK$440K · loan HK$440K · min. income ≈ HK$4,268/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$2,234
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,294
−HK$61/mo
Today · 4.125%
HK$2,355
baseline
▲ 0.50% · 4.625%
HK$2,479
+HK$124/mo
Deposit HK$440K · loan HK$440K · min. income ≈ HK$4,710/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$2,410
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,485
−HK$76/mo
Today · 4.125%
HK$2,561
baseline
▲ 0.50% · 4.625%
HK$2,717
+HK$156/mo
Deposit HK$352K · loan HK$528K · min. income ≈ HK$5,122/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,681
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,753
−HK$73/mo
Today · 4.125%
HK$2,826
baseline
▲ 0.50% · 4.625%
HK$2,975
+HK$149/mo
Deposit HK$352K · loan HK$528K · min. income ≈ HK$5,652/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,811
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,899
−HK$89/mo
Today · 4.125%
HK$2,988
baseline
▲ 0.50% · 4.625%
HK$3,170
+HK$182/mo
Deposit HK$264K · loan HK$616K · min. income ≈ HK$5,976/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,128
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,212
−HK$85/mo
Today · 4.125%
HK$3,297
baseline
▲ 0.50% · 4.625%
HK$3,470
+HK$173/mo
Deposit HK$264K · loan HK$616K · min. income ≈ HK$6,594/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,615
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,727
−HK$114/mo
Today · 4.125%
HK$3,841
baseline
▲ 0.50% · 4.625%
HK$4,075
+HK$234/mo
Deposit HK$88K · loan HK$793K · min. income ≈ HK$7,682/mo (50% DSR)
Upfront cash ≈ HK$88K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,021
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,129
−HK$110/mo
Today · 4.125%
HK$4,239
baseline
▲ 0.50% · 4.625%
HK$4,462
+HK$223/mo
Deposit HK$88K · loan HK$793K · min. income ≈ HK$8,478/mo (50% DSR)
Upfront cash ≈ HK$88K (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).