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$2,376
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,450
−HK$75/mo
Today · 4.125%
HK$2,525
baseline
▲ 0.50% · 4.625%
HK$2,679
+HK$154/mo
Deposit HK$521K · loan HK$521K · min. income ≈ HK$5,050/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,644
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,715
−HK$72/mo
Today · 4.125%
HK$2,787
baseline
▲ 0.50% · 4.625%
HK$2,933
+HK$146/mo
Deposit HK$521K · loan HK$521K · min. income ≈ HK$5,574/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,852
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,940
−HK$90/mo
Today · 4.125%
HK$3,030
baseline
▲ 0.50% · 4.625%
HK$3,215
+HK$185/mo
Deposit HK$417K · loan HK$625K · min. income ≈ HK$6,060/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,172
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,258
−HK$86/mo
Today · 4.125%
HK$3,344
baseline
▲ 0.50% · 4.625%
HK$3,520
+HK$176/mo
Deposit HK$417K · loan HK$625K · min. income ≈ HK$6,688/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,327
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,430
−HK$106/mo
Today · 4.125%
HK$3,536
baseline
▲ 0.50% · 4.625%
HK$3,751
+HK$215/mo
Deposit HK$313K · loan HK$730K · min. income ≈ HK$7,072/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,701
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,800
−HK$101/mo
Today · 4.125%
HK$3,901
baseline
▲ 0.50% · 4.625%
HK$4,107
+HK$206/mo
Deposit HK$313K · loan HK$730K · min. income ≈ HK$7,802/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,277
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,411
−HK$135/mo
Today · 4.125%
HK$4,546
baseline
▲ 0.50% · 4.625%
HK$4,822
+HK$276/mo
Deposit HK$104K · loan HK$938K · min. income ≈ HK$9,092/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,759
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,886
−HK$130/mo
Today · 4.125%
HK$5,016
baseline
▲ 0.50% · 4.625%
HK$5,280
+HK$264/mo
Deposit HK$104K · loan HK$938K · min. income ≈ HK$10,032/mo (50% DSR)
Upfront cash ≈ HK$104K (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).