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$2,470
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,547
−HK$78/mo
Today · 4.125%
HK$2,625
baseline
▲ 0.50% · 4.625%
HK$2,784
+HK$159/mo
Deposit HK$542K · loan HK$542K · min. income ≈ HK$5,250/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,748
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,821
−HK$75/mo
Today · 4.125%
HK$2,896
baseline
▲ 0.50% · 4.625%
HK$3,049
+HK$153/mo
Deposit HK$542K · loan HK$542K · min. income ≈ HK$5,792/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,964
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,056
−HK$94/mo
Today · 4.125%
HK$3,150
baseline
▲ 0.50% · 4.625%
HK$3,341
+HK$191/mo
Deposit HK$433K · loan HK$650K · min. income ≈ HK$6,300/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,297
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,386
−HK$89/mo
Today · 4.125%
HK$3,475
baseline
▲ 0.50% · 4.625%
HK$3,659
+HK$184/mo
Deposit HK$433K · loan HK$650K · min. income ≈ HK$6,950/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,458
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,565
−HK$110/mo
Today · 4.125%
HK$3,675
baseline
▲ 0.50% · 4.625%
HK$3,898
+HK$223/mo
Deposit HK$325K · loan HK$758K · min. income ≈ HK$7,350/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,847
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,950
−HK$105/mo
Today · 4.125%
HK$4,055
baseline
▲ 0.50% · 4.625%
HK$4,268
+HK$213/mo
Deposit HK$325K · loan HK$758K · min. income ≈ HK$8,110/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,446
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,584
−HK$141/mo
Today · 4.125%
HK$4,725
baseline
▲ 0.50% · 4.625%
HK$5,012
+HK$287/mo
Deposit HK$108K · loan HK$975K · min. income ≈ HK$9,450/mo (50% DSR)
Upfront cash ≈ HK$108K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,946
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$134/mo
Today · 4.125%
HK$5,213
baseline
▲ 0.50% · 4.625%
HK$5,488
+HK$275/mo
Deposit HK$108K · loan HK$975K · min. income ≈ HK$10,426/mo (50% DSR)
Upfront cash ≈ HK$108K (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).