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$2,010
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,072
−HK$64/mo
Today · 4.125%
HK$2,136
baseline
▲ 0.50% · 4.625%
HK$2,266
+HK$130/mo
Deposit HK$441K · loan HK$441K · min. income ≈ HK$4,272/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,236
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,296
−HK$61/mo
Today · 4.125%
HK$2,357
baseline
▲ 0.50% · 4.625%
HK$2,481
+HK$124/mo
Deposit HK$441K · loan HK$441K · min. income ≈ HK$4,714/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,412
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,487
−HK$76/mo
Today · 4.125%
HK$2,563
baseline
▲ 0.50% · 4.625%
HK$2,719
+HK$156/mo
Deposit HK$353K · loan HK$529K · min. income ≈ HK$5,126/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,683
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,755
−HK$73/mo
Today · 4.125%
HK$2,828
baseline
▲ 0.50% · 4.625%
HK$2,977
+HK$149/mo
Deposit HK$353K · loan HK$529K · min. income ≈ HK$5,656/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,814
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,901
−HK$89/mo
Today · 4.125%
HK$2,990
baseline
▲ 0.50% · 4.625%
HK$3,172
+HK$182/mo
Deposit HK$264K · loan HK$617K · min. income ≈ HK$5,980/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,130
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,214
−HK$85/mo
Today · 4.125%
HK$3,299
baseline
▲ 0.50% · 4.625%
HK$3,473
+HK$174/mo
Deposit HK$264K · loan HK$617K · min. income ≈ HK$6,598/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,617
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,730
−HK$114/mo
Today · 4.125%
HK$3,844
baseline
▲ 0.50% · 4.625%
HK$4,078
+HK$234/mo
Deposit HK$88K · loan HK$793K · min. income ≈ HK$7,688/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$4,024
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,132
−HK$110/mo
Today · 4.125%
HK$4,242
baseline
▲ 0.50% · 4.625%
HK$4,465
+HK$223/mo
Deposit HK$88K · loan HK$793K · min. income ≈ HK$8,484/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).