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$2,205
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,273
−HK$70/mo
Today · 4.125%
HK$2,343
baseline
▲ 0.50% · 4.625%
HK$2,486
+HK$143/mo
Deposit HK$483K · loan HK$483K · min. income ≈ HK$4,686/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,453
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,519
−HK$66/mo
Today · 4.125%
HK$2,585
baseline
▲ 0.50% · 4.625%
HK$2,722
+HK$137/mo
Deposit HK$483K · loan HK$483K · min. income ≈ HK$5,170/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,646
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,728
−HK$84/mo
Today · 4.125%
HK$2,812
baseline
▲ 0.50% · 4.625%
HK$2,983
+HK$171/mo
Deposit HK$387K · loan HK$580K · min. income ≈ HK$5,624/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,943
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,022
−HK$80/mo
Today · 4.125%
HK$3,102
baseline
▲ 0.50% · 4.625%
HK$3,266
+HK$164/mo
Deposit HK$387K · loan HK$580K · min. income ≈ HK$6,204/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,087
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,183
−HK$97/mo
Today · 4.125%
HK$3,280
baseline
▲ 0.50% · 4.625%
HK$3,480
+HK$200/mo
Deposit HK$290K · loan HK$677K · min. income ≈ HK$6,560/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,434
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,526
−HK$94/mo
Today · 4.125%
HK$3,620
baseline
▲ 0.50% · 4.625%
HK$3,810
+HK$190/mo
Deposit HK$290K · loan HK$677K · min. income ≈ HK$7,240/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,969
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,092
−HK$126/mo
Today · 4.125%
HK$4,218
baseline
▲ 0.50% · 4.625%
HK$4,474
+HK$256/mo
Deposit HK$97K · loan HK$870K · min. income ≈ HK$8,436/mo (50% DSR)
Upfront cash ≈ HK$97K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,415
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,534
−HK$120/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,899
+HK$245/mo
Deposit HK$97K · loan HK$870K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$97K (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).