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$2,325
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,398
−HK$73/mo
Today · 4.125%
HK$2,471
baseline
▲ 0.50% · 4.625%
HK$2,622
+HK$151/mo
Deposit HK$510K · loan HK$510K · min. income ≈ HK$4,942/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,587
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,656
−HK$71/mo
Today · 4.125%
HK$2,727
baseline
▲ 0.50% · 4.625%
HK$2,870
+HK$143/mo
Deposit HK$510K · loan HK$510K · min. income ≈ HK$5,454/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,790
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,877
−HK$88/mo
Today · 4.125%
HK$2,965
baseline
▲ 0.50% · 4.625%
HK$3,146
+HK$181/mo
Deposit HK$408K · loan HK$612K · min. income ≈ HK$5,930/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,104
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,188
−HK$84/mo
Today · 4.125%
HK$3,272
baseline
▲ 0.50% · 4.625%
HK$3,445
+HK$173/mo
Deposit HK$408K · loan HK$612K · min. income ≈ HK$6,544/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,256
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,357
−HK$103/mo
Today · 4.125%
HK$3,460
baseline
▲ 0.50% · 4.625%
HK$3,670
+HK$210/mo
Deposit HK$306K · loan HK$714K · min. income ≈ HK$6,920/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,622
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,719
−HK$98/mo
Today · 4.125%
HK$3,817
baseline
▲ 0.50% · 4.625%
HK$4,019
+HK$202/mo
Deposit HK$306K · loan HK$714K · min. income ≈ HK$7,634/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,186
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,316
−HK$132/mo
Today · 4.125%
HK$4,448
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$271/mo
Deposit HK$102K · loan HK$918K · min. income ≈ HK$8,896/mo (50% DSR)
Upfront cash ≈ HK$102K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,657
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$127/mo
Today · 4.125%
HK$4,908
baseline
▲ 0.50% · 4.625%
HK$5,167
+HK$259/mo
Deposit HK$102K · loan HK$918K · min. income ≈ HK$9,816/mo (50% DSR)
Upfront cash ≈ HK$102K (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).