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$2,270
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,341
−HK$72/mo
Today · 4.125%
HK$2,413
baseline
▲ 0.50% · 4.625%
HK$2,559
+HK$146/mo
Deposit HK$498K · loan HK$498K · min. income ≈ HK$4,826/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,526
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,593
−HK$69/mo
Today · 4.125%
HK$2,662
baseline
▲ 0.50% · 4.625%
HK$2,802
+HK$140/mo
Deposit HK$498K · loan HK$498K · min. income ≈ HK$5,324/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,724
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,809
−HK$86/mo
Today · 4.125%
HK$2,895
baseline
▲ 0.50% · 4.625%
HK$3,071
+HK$176/mo
Deposit HK$398K · loan HK$597K · min. income ≈ HK$5,790/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,031
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,112
−HK$83/mo
Today · 4.125%
HK$3,195
baseline
▲ 0.50% · 4.625%
HK$3,363
+HK$168/mo
Deposit HK$398K · loan HK$597K · min. income ≈ HK$6,390/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,178
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,277
−HK$101/mo
Today · 4.125%
HK$3,378
baseline
▲ 0.50% · 4.625%
HK$3,583
+HK$205/mo
Deposit HK$299K · loan HK$697K · min. income ≈ HK$6,756/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,536
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,631
−HK$96/mo
Today · 4.125%
HK$3,727
baseline
▲ 0.50% · 4.625%
HK$3,923
+HK$196/mo
Deposit HK$299K · loan HK$697K · min. income ≈ HK$7,454/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,086
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,214
−HK$129/mo
Today · 4.125%
HK$4,343
baseline
▲ 0.50% · 4.625%
HK$4,607
+HK$264/mo
Deposit HK$100K · loan HK$896K · min. income ≈ HK$8,686/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,546
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,668
−HK$124/mo
Today · 4.125%
HK$4,792
baseline
▲ 0.50% · 4.625%
HK$5,044
+HK$252/mo
Deposit HK$100K · loan HK$896K · min. income ≈ HK$9,584/mo (50% DSR)
Upfront cash ≈ HK$100K (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).