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$2,184
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,252
−HK$69/mo
Today · 4.125%
HK$2,321
baseline
▲ 0.50% · 4.625%
HK$2,462
+HK$141/mo
Deposit HK$479K · loan HK$479K · min. income ≈ HK$4,642/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,430
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,495
−HK$66/mo
Today · 4.125%
HK$2,561
baseline
▲ 0.50% · 4.625%
HK$2,696
+HK$135/mo
Deposit HK$479K · loan HK$479K · min. income ≈ HK$5,122/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,621
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,702
−HK$83/mo
Today · 4.125%
HK$2,785
baseline
▲ 0.50% · 4.625%
HK$2,955
+HK$170/mo
Deposit HK$383K · loan HK$575K · min. income ≈ HK$5,570/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,916
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,994
−HK$79/mo
Today · 4.125%
HK$3,073
baseline
▲ 0.50% · 4.625%
HK$3,235
+HK$162/mo
Deposit HK$383K · loan HK$575K · min. income ≈ HK$6,146/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,058
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,153
−HK$96/mo
Today · 4.125%
HK$3,249
baseline
▲ 0.50% · 4.625%
HK$3,447
+HK$198/mo
Deposit HK$287K · loan HK$670K · min. income ≈ HK$6,498/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,401
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,493
−HK$92/mo
Today · 4.125%
HK$3,585
baseline
▲ 0.50% · 4.625%
HK$3,774
+HK$189/mo
Deposit HK$287K · loan HK$670K · min. income ≈ HK$7,170/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,931
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,053
−HK$125/mo
Today · 4.125%
HK$4,178
baseline
▲ 0.50% · 4.625%
HK$4,432
+HK$254/mo
Deposit HK$96K · loan HK$862K · min. income ≈ HK$8,356/mo (50% DSR)
Upfront cash ≈ HK$96K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,373
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,491
−HK$119/mo
Today · 4.125%
HK$4,610
baseline
▲ 0.50% · 4.625%
HK$4,853
+HK$243/mo
Deposit HK$96K · loan HK$862K · min. income ≈ HK$9,220/mo (50% DSR)
Upfront cash ≈ HK$96K (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).