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$2,033
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,097
−HK$64/mo
Today · 4.125%
HK$2,161
baseline
▲ 0.50% · 4.625%
HK$2,292
+HK$131/mo
Deposit HK$446K · loan HK$446K · min. income ≈ HK$4,322/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,262
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,323
−HK$61/mo
Today · 4.125%
HK$2,384
baseline
▲ 0.50% · 4.625%
HK$2,510
+HK$126/mo
Deposit HK$446K · loan HK$446K · min. income ≈ HK$4,768/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,440
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,516
−HK$77/mo
Today · 4.125%
HK$2,593
baseline
▲ 0.50% · 4.625%
HK$2,751
+HK$158/mo
Deposit HK$357K · loan HK$535K · min. income ≈ HK$5,186/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,715
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,787
−HK$74/mo
Today · 4.125%
HK$2,861
baseline
▲ 0.50% · 4.625%
HK$3,012
+HK$151/mo
Deposit HK$357K · loan HK$535K · min. income ≈ HK$5,722/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,847
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,935
−HK$90/mo
Today · 4.125%
HK$3,025
baseline
▲ 0.50% · 4.625%
HK$3,209
+HK$184/mo
Deposit HK$268K · loan HK$624K · min. income ≈ HK$6,050/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,167
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,252
−HK$86/mo
Today · 4.125%
HK$3,338
baseline
▲ 0.50% · 4.625%
HK$3,514
+HK$176/mo
Deposit HK$268K · loan HK$624K · min. income ≈ HK$6,676/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,660
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,774
−HK$116/mo
Today · 4.125%
HK$3,890
baseline
▲ 0.50% · 4.625%
HK$4,126
+HK$236/mo
Deposit HK$89K · loan HK$803K · min. income ≈ HK$7,780/mo (50% DSR)
Upfront cash ≈ HK$89K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,072
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,181
−HK$111/mo
Today · 4.125%
HK$4,292
baseline
▲ 0.50% · 4.625%
HK$4,518
+HK$226/mo
Deposit HK$89K · loan HK$803K · min. income ≈ HK$8,584/mo (50% DSR)
Upfront cash ≈ HK$89K (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).