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$1,968
−HK$124/mo
▼ 0.25% · 3.875%
HK$2,029
−HK$63/mo
Today · 4.125%
HK$2,092
baseline
▲ 0.50% · 4.625%
HK$2,219
+HK$127/mo
Deposit HK$432K · loan HK$432K · min. income ≈ HK$4,184/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,190
−HK$118/mo
▼ 0.25% · 3.875%
HK$2,248
−HK$60/mo
Today · 4.125%
HK$2,308
baseline
▲ 0.50% · 4.625%
HK$2,429
+HK$121/mo
Deposit HK$432K · loan HK$432K · min. income ≈ HK$4,616/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,362
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,435
−HK$75/mo
Today · 4.125%
HK$2,510
baseline
▲ 0.50% · 4.625%
HK$2,663
+HK$153/mo
Deposit HK$345K · loan HK$518K · min. income ≈ HK$5,020/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,627
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,698
−HK$71/mo
Today · 4.125%
HK$2,769
baseline
▲ 0.50% · 4.625%
HK$2,915
+HK$146/mo
Deposit HK$345K · loan HK$518K · min. income ≈ HK$5,538/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,755
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,841
−HK$87/mo
Today · 4.125%
HK$2,928
baseline
▲ 0.50% · 4.625%
HK$3,106
+HK$178/mo
Deposit HK$259K · loan HK$604K · min. income ≈ HK$5,856/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,065
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,148
−HK$83/mo
Today · 4.125%
HK$3,231
baseline
▲ 0.50% · 4.625%
HK$3,401
+HK$170/mo
Deposit HK$259K · loan HK$604K · min. income ≈ HK$6,462/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,543
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,653
−HK$112/mo
Today · 4.125%
HK$3,765
baseline
▲ 0.50% · 4.625%
HK$3,994
+HK$229/mo
Deposit HK$86K · loan HK$777K · min. income ≈ HK$7,530/mo (50% DSR)
Upfront cash ≈ HK$86K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,941
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,047
−HK$107/mo
Today · 4.125%
HK$4,154
baseline
▲ 0.50% · 4.625%
HK$4,373
+HK$219/mo
Deposit HK$86K · loan HK$777K · min. income ≈ HK$8,308/mo (50% DSR)
Upfront cash ≈ HK$86K (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).