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$2,076
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,140
−HK$66/mo
Today · 4.125%
HK$2,206
baseline
▲ 0.50% · 4.625%
HK$2,340
+HK$134/mo
Deposit HK$455K · loan HK$455K · min. income ≈ HK$4,412/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,309
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,371
−HK$63/mo
Today · 4.125%
HK$2,434
baseline
▲ 0.50% · 4.625%
HK$2,562
+HK$128/mo
Deposit HK$455K · loan HK$455K · min. income ≈ HK$4,868/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,491
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,568
−HK$79/mo
Today · 4.125%
HK$2,647
baseline
▲ 0.50% · 4.625%
HK$2,808
+HK$161/mo
Deposit HK$364K · loan HK$546K · min. income ≈ HK$5,294/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,771
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,845
−HK$76/mo
Today · 4.125%
HK$2,921
baseline
▲ 0.50% · 4.625%
HK$3,075
+HK$154/mo
Deposit HK$364K · loan HK$546K · min. income ≈ HK$5,842/mo (50% DSR)
Upfront cash ≈ HK$364K (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$273K · loan HK$637K · min. income ≈ HK$6,176/mo (50% DSR)
Upfront cash ≈ HK$273K (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$3,319
−HK$88/mo
Today · 4.125%
HK$3,407
baseline
▲ 0.50% · 4.625%
HK$3,587
+HK$180/mo
Deposit HK$273K · loan HK$637K · min. income ≈ HK$6,814/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,736
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,852
−HK$118/mo
Today · 4.125%
HK$3,970
baseline
▲ 0.50% · 4.625%
HK$4,212
+HK$242/mo
Deposit HK$91K · loan HK$819K · min. income ≈ HK$7,940/mo (50% DSR)
Upfront cash ≈ HK$91K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,156
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,268
−HK$113/mo
Today · 4.125%
HK$4,381
baseline
▲ 0.50% · 4.625%
HK$4,612
+HK$231/mo
Deposit HK$91K · loan HK$819K · min. income ≈ HK$8,762/mo (50% DSR)
Upfront cash ≈ HK$91K (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).