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$2,413
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,488
−HK$76/mo
Today · 4.125%
HK$2,564
baseline
▲ 0.50% · 4.625%
HK$2,720
+HK$156/mo
Deposit HK$529K · loan HK$529K · min. income ≈ HK$5,128/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,684
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,756
−HK$73/mo
Today · 4.125%
HK$2,829
baseline
▲ 0.50% · 4.625%
HK$2,978
+HK$149/mo
Deposit HK$529K · loan HK$529K · min. income ≈ HK$5,658/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,895
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,985
−HK$92/mo
Today · 4.125%
HK$3,077
baseline
▲ 0.50% · 4.625%
HK$3,264
+HK$187/mo
Deposit HK$423K · loan HK$635K · min. income ≈ HK$6,154/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,221
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,307
−HK$88/mo
Today · 4.125%
HK$3,395
baseline
▲ 0.50% · 4.625%
HK$3,574
+HK$179/mo
Deposit HK$423K · loan HK$635K · min. income ≈ HK$6,790/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,378
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,483
−HK$106/mo
Today · 4.125%
HK$3,589
baseline
▲ 0.50% · 4.625%
HK$3,808
+HK$219/mo
Deposit HK$317K · loan HK$741K · min. income ≈ HK$7,178/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,758
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,858
−HK$103/mo
Today · 4.125%
HK$3,961
baseline
▲ 0.50% · 4.625%
HK$4,169
+HK$208/mo
Deposit HK$317K · loan HK$741K · min. income ≈ HK$7,922/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,343
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,478
−HK$137/mo
Today · 4.125%
HK$4,615
baseline
▲ 0.50% · 4.625%
HK$4,896
+HK$281/mo
Deposit HK$106K · loan HK$952K · min. income ≈ HK$9,230/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,831
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,961
−HK$131/mo
Today · 4.125%
HK$5,092
baseline
▲ 0.50% · 4.625%
HK$5,361
+HK$269/mo
Deposit HK$106K · loan HK$952K · min. income ≈ HK$10,184/mo (50% DSR)
Upfront cash ≈ HK$106K (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).