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$2,165
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,232
−HK$69/mo
Today · 4.125%
HK$2,301
baseline
▲ 0.50% · 4.625%
HK$2,441
+HK$140/mo
Deposit HK$475K · loan HK$475K · min. income ≈ HK$4,602/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,408
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,473
−HK$66/mo
Today · 4.125%
HK$2,539
baseline
▲ 0.50% · 4.625%
HK$2,672
+HK$133/mo
Deposit HK$475K · loan HK$475K · min. income ≈ HK$5,078/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,598
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,679
−HK$82/mo
Today · 4.125%
HK$2,761
baseline
▲ 0.50% · 4.625%
HK$2,929
+HK$168/mo
Deposit HK$380K · loan HK$570K · min. income ≈ HK$5,522/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,890
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,968
−HK$78/mo
Today · 4.125%
HK$3,046
baseline
▲ 0.50% · 4.625%
HK$3,207
+HK$161/mo
Deposit HK$380K · loan HK$570K · min. income ≈ HK$6,092/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,031
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,125
−HK$96/mo
Today · 4.125%
HK$3,221
baseline
▲ 0.50% · 4.625%
HK$3,417
+HK$196/mo
Deposit HK$285K · loan HK$665K · min. income ≈ HK$6,442/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,372
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,462
−HK$92/mo
Today · 4.125%
HK$3,554
baseline
▲ 0.50% · 4.625%
HK$3,741
+HK$187/mo
Deposit HK$285K · loan HK$665K · min. income ≈ HK$7,108/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,897
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,018
−HK$123/mo
Today · 4.125%
HK$4,141
baseline
▲ 0.50% · 4.625%
HK$4,393
+HK$252/mo
Deposit HK$95K · loan HK$854K · min. income ≈ HK$8,282/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,451
−HK$118/mo
Today · 4.125%
HK$4,569
baseline
▲ 0.50% · 4.625%
HK$4,810
+HK$241/mo
Deposit HK$95K · loan HK$854K · min. income ≈ HK$9,138/mo (50% DSR)
Upfront cash ≈ HK$95K (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).