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$2,210
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,279
−HK$70/mo
Today · 4.125%
HK$2,349
baseline
▲ 0.50% · 4.625%
HK$2,492
+HK$143/mo
Deposit HK$485K · loan HK$485K · min. income ≈ HK$4,698/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,459
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,525
−HK$66/mo
Today · 4.125%
HK$2,591
baseline
▲ 0.50% · 4.625%
HK$2,728
+HK$137/mo
Deposit HK$485K · loan HK$485K · min. income ≈ HK$5,182/mo (50% DSR)
Upfront cash ≈ HK$485K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,652
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,735
−HK$83/mo
Today · 4.125%
HK$2,818
baseline
▲ 0.50% · 4.625%
HK$2,990
+HK$172/mo
Deposit HK$388K · loan HK$582K · min. income ≈ HK$5,636/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,950
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,029
−HK$81/mo
Today · 4.125%
HK$3,110
baseline
▲ 0.50% · 4.625%
HK$3,274
+HK$164/mo
Deposit HK$388K · loan HK$582K · min. income ≈ HK$6,220/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,094
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,190
−HK$98/mo
Today · 4.125%
HK$3,288
baseline
▲ 0.50% · 4.625%
HK$3,488
+HK$200/mo
Deposit HK$291K · loan HK$678K · min. income ≈ HK$6,576/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,442
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,534
−HK$94/mo
Today · 4.125%
HK$3,628
baseline
▲ 0.50% · 4.625%
HK$3,819
+HK$191/mo
Deposit HK$291K · loan HK$678K · min. income ≈ HK$7,256/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,978
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,102
−HK$125/mo
Today · 4.125%
HK$4,227
baseline
▲ 0.50% · 4.625%
HK$4,485
+HK$258/mo
Deposit HK$97K · loan HK$872K · min. income ≈ HK$8,454/mo (50% DSR)
Upfront cash ≈ HK$97K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,426
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,544
−HK$121/mo
Today · 4.125%
HK$4,665
baseline
▲ 0.50% · 4.625%
HK$4,910
+HK$245/mo
Deposit HK$97K · loan HK$872K · min. income ≈ HK$9,330/mo (50% DSR)
Upfront cash ≈ HK$97K (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).