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$1,549
−HK$97/mo
▼ 0.25% · 3.875%
HK$1,597
−HK$49/mo
Today · 4.125%
HK$1,646
baseline
▲ 0.50% · 4.625%
HK$1,747
+HK$101/mo
Deposit HK$340K · loan HK$340K · min. income ≈ HK$3,292/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,723
−HK$94/mo
▼ 0.25% · 3.875%
HK$1,770
−HK$47/mo
Today · 4.125%
HK$1,817
baseline
▲ 0.50% · 4.625%
HK$1,912
+HK$95/mo
Deposit HK$340K · loan HK$340K · min. income ≈ HK$3,634/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,859
−HK$117/mo
▼ 0.25% · 3.875%
HK$1,917
−HK$59/mo
Today · 4.125%
HK$1,976
baseline
▲ 0.50% · 4.625%
HK$2,096
+HK$120/mo
Deposit HK$272K · loan HK$408K · min. income ≈ HK$3,952/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,068
−HK$112/mo
▼ 0.25% · 3.875%
HK$2,124
−HK$56/mo
Today · 4.125%
HK$2,180
baseline
▲ 0.50% · 4.625%
HK$2,295
+HK$115/mo
Deposit HK$272K · loan HK$408K · min. income ≈ HK$4,360/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,169
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,236
−HK$69/mo
Today · 4.125%
HK$2,305
baseline
▲ 0.50% · 4.625%
HK$2,445
+HK$140/mo
Deposit HK$204K · loan HK$476K · min. income ≈ HK$4,610/mo (50% DSR)
Upfront cash ≈ HK$204K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,413
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,478
−HK$65/mo
Today · 4.125%
HK$2,543
baseline
▲ 0.50% · 4.625%
HK$2,677
+HK$134/mo
Deposit HK$204K · loan HK$476K · min. income ≈ HK$5,086/mo (50% DSR)
Upfront cash ≈ HK$204K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,789
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,875
−HK$88/mo
Today · 4.125%
HK$2,963
baseline
▲ 0.50% · 4.625%
HK$3,144
+HK$181/mo
Deposit HK$68K · loan HK$611K · min. income ≈ HK$5,926/mo (50% DSR)
Upfront cash ≈ HK$68K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,102
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,185
−HK$85/mo
Today · 4.125%
HK$3,270
baseline
▲ 0.50% · 4.625%
HK$3,442
+HK$172/mo
Deposit HK$68K · loan HK$611K · min. income ≈ HK$6,540/mo (50% DSR)
Upfront cash ≈ HK$68K (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).