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$2,154
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,221
−HK$68/mo
Today · 4.125%
HK$2,289
baseline
▲ 0.50% · 4.625%
HK$2,428
+HK$139/mo
Deposit HK$472K · loan HK$472K · min. income ≈ HK$4,578/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,396
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,461
−HK$65/mo
Today · 4.125%
HK$2,526
baseline
▲ 0.50% · 4.625%
HK$2,659
+HK$133/mo
Deposit HK$472K · loan HK$472K · min. income ≈ HK$5,052/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,585
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,665
−HK$82/mo
Today · 4.125%
HK$2,747
baseline
▲ 0.50% · 4.625%
HK$2,914
+HK$167/mo
Deposit HK$378K · loan HK$567K · min. income ≈ HK$5,494/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,876
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,953
−HK$78/mo
Today · 4.125%
HK$3,031
baseline
▲ 0.50% · 4.625%
HK$3,191
+HK$160/mo
Deposit HK$378K · loan HK$567K · min. income ≈ HK$6,062/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,016
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,109
−HK$96/mo
Today · 4.125%
HK$3,205
baseline
▲ 0.50% · 4.625%
HK$3,400
+HK$195/mo
Deposit HK$283K · loan HK$661K · min. income ≈ HK$6,410/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,355
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,445
−HK$91/mo
Today · 4.125%
HK$3,536
baseline
▲ 0.50% · 4.625%
HK$3,723
+HK$187/mo
Deposit HK$283K · loan HK$661K · min. income ≈ HK$7,072/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,877
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,998
−HK$122/mo
Today · 4.125%
HK$4,120
baseline
▲ 0.50% · 4.625%
HK$4,371
+HK$251/mo
Deposit HK$94K · loan HK$850K · min. income ≈ HK$8,240/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,313
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$118/mo
Today · 4.125%
HK$4,547
baseline
▲ 0.50% · 4.625%
HK$4,786
+HK$239/mo
Deposit HK$94K · loan HK$850K · min. income ≈ HK$9,094/mo (50% DSR)
Upfront cash ≈ HK$95K (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).