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$2,071
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,136
−HK$65/mo
Today · 4.125%
HK$2,201
baseline
▲ 0.50% · 4.625%
HK$2,335
+HK$134/mo
Deposit HK$454K · loan HK$454K · min. income ≈ HK$4,402/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,304
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,366
−HK$63/mo
Today · 4.125%
HK$2,429
baseline
▲ 0.50% · 4.625%
HK$2,557
+HK$128/mo
Deposit HK$454K · loan HK$454K · min. income ≈ HK$4,858/mo (50% DSR)
Upfront cash ≈ HK$454K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,486
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,563
−HK$79/mo
Today · 4.125%
HK$2,642
baseline
▲ 0.50% · 4.625%
HK$2,802
+HK$160/mo
Deposit HK$363K · loan HK$545K · min. income ≈ HK$5,284/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,765
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,840
−HK$75/mo
Today · 4.125%
HK$2,915
baseline
▲ 0.50% · 4.625%
HK$3,068
+HK$153/mo
Deposit HK$363K · loan HK$545K · min. income ≈ HK$5,830/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,900
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,990
−HK$92/mo
Today · 4.125%
HK$3,082
baseline
▲ 0.50% · 4.625%
HK$3,269
+HK$187/mo
Deposit HK$273K · loan HK$636K · min. income ≈ HK$6,164/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$3,226
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,313
−HK$88/mo
Today · 4.125%
HK$3,401
baseline
▲ 0.50% · 4.625%
HK$3,580
+HK$179/mo
Deposit HK$273K · loan HK$636K · min. income ≈ HK$6,802/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$3,729
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,845
−HK$117/mo
Today · 4.125%
HK$3,962
baseline
▲ 0.50% · 4.625%
HK$4,204
+HK$242/mo
Deposit HK$91K · loan HK$818K · min. income ≈ HK$7,924/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$4,148
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,259
−HK$113/mo
Today · 4.125%
HK$4,372
baseline
▲ 0.50% · 4.625%
HK$4,603
+HK$231/mo
Deposit HK$91K · loan HK$818K · min. income ≈ HK$8,744/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).