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$2,422
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,497
−HK$76/mo
Today · 4.125%
HK$2,573
baseline
▲ 0.50% · 4.625%
HK$2,730
+HK$157/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,146/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,694
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,766
−HK$74/mo
Today · 4.125%
HK$2,840
baseline
▲ 0.50% · 4.625%
HK$2,989
+HK$149/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,680/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,906
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,996
−HK$92/mo
Today · 4.125%
HK$3,088
baseline
▲ 0.50% · 4.625%
HK$3,276
+HK$188/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,176/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,233
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,320
−HK$87/mo
Today · 4.125%
HK$3,407
baseline
▲ 0.50% · 4.625%
HK$3,587
+HK$180/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,814/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,390
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,496
−HK$107/mo
Today · 4.125%
HK$3,603
baseline
▲ 0.50% · 4.625%
HK$3,822
+HK$219/mo
Deposit HK$319K · loan HK$743K · min. income ≈ HK$7,206/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,772
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,873
−HK$102/mo
Today · 4.125%
HK$3,975
baseline
▲ 0.50% · 4.625%
HK$4,185
+HK$210/mo
Deposit HK$319K · loan HK$743K · min. income ≈ HK$7,950/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,359
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,494
−HK$138/mo
Today · 4.125%
HK$4,632
baseline
▲ 0.50% · 4.625%
HK$4,914
+HK$282/mo
Deposit HK$106K · loan HK$956K · min. income ≈ HK$9,264/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,849
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,979
−HK$132/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,381
+HK$270/mo
Deposit HK$106K · loan HK$956K · min. income ≈ HK$10,222/mo (50% DSR)
Upfront cash ≈ HK$106K (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).