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$1,874
−HK$118/mo
▼ 0.25% · 3.875%
HK$1,933
−HK$59/mo
Today · 4.125%
HK$1,992
baseline
▲ 0.50% · 4.625%
HK$2,113
+HK$121/mo
Deposit HK$411K · loan HK$411K · min. income ≈ HK$3,984/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,085
−HK$113/mo
▼ 0.25% · 3.875%
HK$2,141
−HK$57/mo
Today · 4.125%
HK$2,198
baseline
▲ 0.50% · 4.625%
HK$2,314
+HK$116/mo
Deposit HK$411K · loan HK$411K · min. income ≈ HK$4,396/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,249
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,319
−HK$71/mo
Today · 4.125%
HK$2,390
baseline
▲ 0.50% · 4.625%
HK$2,536
+HK$146/mo
Deposit HK$329K · loan HK$493K · min. income ≈ HK$4,780/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,502
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,569
−HK$68/mo
Today · 4.125%
HK$2,637
baseline
▲ 0.50% · 4.625%
HK$2,776
+HK$139/mo
Deposit HK$329K · loan HK$493K · min. income ≈ HK$5,274/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,624
−HK$165/mo
▼ 0.25% · 3.875%
HK$2,706
−HK$83/mo
Today · 4.125%
HK$2,789
baseline
▲ 0.50% · 4.625%
HK$2,958
+HK$169/mo
Deposit HK$247K · loan HK$575K · min. income ≈ HK$5,578/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,919
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,998
−HK$79/mo
Today · 4.125%
HK$3,077
baseline
▲ 0.50% · 4.625%
HK$3,239
+HK$162/mo
Deposit HK$247K · loan HK$575K · min. income ≈ HK$6,154/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,374
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,479
−HK$106/mo
Today · 4.125%
HK$3,585
baseline
▲ 0.50% · 4.625%
HK$3,804
+HK$219/mo
Deposit HK$82K · loan HK$740K · min. income ≈ HK$7,170/mo (50% DSR)
Upfront cash ≈ HK$82K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,753
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,854
−HK$102/mo
Today · 4.125%
HK$3,956
baseline
▲ 0.50% · 4.625%
HK$4,165
+HK$209/mo
Deposit HK$82K · loan HK$740K · min. income ≈ HK$7,912/mo (50% DSR)
Upfront cash ≈ HK$82K (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).