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$2,314
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,386
−HK$74/mo
Today · 4.125%
HK$2,460
baseline
▲ 0.50% · 4.625%
HK$2,609
+HK$149/mo
Deposit HK$508K · loan HK$508K · min. income ≈ HK$4,920/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,575
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,644
−HK$70/mo
Today · 4.125%
HK$2,714
baseline
▲ 0.50% · 4.625%
HK$2,857
+HK$143/mo
Deposit HK$508K · loan HK$508K · min. income ≈ HK$5,428/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,777
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,864
−HK$88/mo
Today · 4.125%
HK$2,952
baseline
▲ 0.50% · 4.625%
HK$3,131
+HK$179/mo
Deposit HK$406K · loan HK$609K · min. income ≈ HK$5,904/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,090
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,173
−HK$84/mo
Today · 4.125%
HK$3,257
baseline
▲ 0.50% · 4.625%
HK$3,428
+HK$171/mo
Deposit HK$406K · loan HK$609K · min. income ≈ HK$6,514/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,240
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,341
−HK$102/mo
Today · 4.125%
HK$3,443
baseline
▲ 0.50% · 4.625%
HK$3,653
+HK$210/mo
Deposit HK$304K · loan HK$711K · min. income ≈ HK$6,886/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,605
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,701
−HK$98/mo
Today · 4.125%
HK$3,799
baseline
▲ 0.50% · 4.625%
HK$4,000
+HK$201/mo
Deposit HK$304K · loan HK$711K · min. income ≈ HK$7,598/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,166
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,296
−HK$131/mo
Today · 4.125%
HK$4,427
baseline
▲ 0.50% · 4.625%
HK$4,697
+HK$270/mo
Deposit HK$102K · loan HK$914K · min. income ≈ HK$8,854/mo (50% DSR)
Upfront cash ≈ HK$102K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,635
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,759
−HK$126/mo
Today · 4.125%
HK$4,885
baseline
▲ 0.50% · 4.625%
HK$5,143
+HK$258/mo
Deposit HK$102K · loan HK$914K · min. income ≈ HK$9,770/mo (50% DSR)
Upfront cash ≈ HK$102K (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).