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$2,409
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,483
−HK$77/mo
Today · 4.125%
HK$2,560
baseline
▲ 0.50% · 4.625%
HK$2,715
+HK$155/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,120/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,680
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,751
−HK$73/mo
Today · 4.125%
HK$2,824
baseline
▲ 0.50% · 4.625%
HK$2,973
+HK$149/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,648/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,890
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,980
−HK$92/mo
Today · 4.125%
HK$3,072
baseline
▲ 0.50% · 4.625%
HK$3,258
+HK$186/mo
Deposit HK$423K · loan HK$634K · min. income ≈ HK$6,144/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$3,215
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,302
−HK$87/mo
Today · 4.125%
HK$3,389
baseline
▲ 0.50% · 4.625%
HK$3,568
+HK$179/mo
Deposit HK$423K · loan HK$634K · min. income ≈ HK$6,778/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$3,372
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,477
−HK$106/mo
Today · 4.125%
HK$3,583
baseline
▲ 0.50% · 4.625%
HK$3,801
+HK$218/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,166/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,751
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,852
−HK$102/mo
Today · 4.125%
HK$3,954
baseline
▲ 0.50% · 4.625%
HK$4,162
+HK$208/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,908/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,470
−HK$137/mo
Today · 4.125%
HK$4,607
baseline
▲ 0.50% · 4.625%
HK$4,888
+HK$281/mo
Deposit HK$106K · loan HK$951K · min. income ≈ HK$9,214/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$4,823
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,952
−HK$132/mo
Today · 4.125%
HK$5,084
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$268/mo
Deposit HK$106K · loan HK$951K · min. income ≈ HK$10,168/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).