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$2,330
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,402
−HK$74/mo
Today · 4.125%
HK$2,476
baseline
▲ 0.50% · 4.625%
HK$2,626
+HK$150/mo
Deposit HK$511K · loan HK$511K · min. income ≈ HK$4,952/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,592
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,661
−HK$71/mo
Today · 4.125%
HK$2,732
baseline
▲ 0.50% · 4.625%
HK$2,876
+HK$144/mo
Deposit HK$511K · loan HK$511K · min. income ≈ HK$5,464/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,795
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,882
−HK$89/mo
Today · 4.125%
HK$2,971
baseline
▲ 0.50% · 4.625%
HK$3,152
+HK$181/mo
Deposit HK$409K · loan HK$613K · min. income ≈ HK$5,942/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,110
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,193
−HK$85/mo
Today · 4.125%
HK$3,278
baseline
▲ 0.50% · 4.625%
HK$3,451
+HK$173/mo
Deposit HK$409K · loan HK$613K · min. income ≈ HK$6,556/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,261
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,363
−HK$103/mo
Today · 4.125%
HK$3,466
baseline
▲ 0.50% · 4.625%
HK$3,677
+HK$211/mo
Deposit HK$306K · loan HK$715K · min. income ≈ HK$6,932/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,628
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,726
−HK$98/mo
Today · 4.125%
HK$3,824
baseline
▲ 0.50% · 4.625%
HK$4,026
+HK$202/mo
Deposit HK$306K · loan HK$715K · min. income ≈ HK$7,648/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,193
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,324
−HK$132/mo
Today · 4.125%
HK$4,456
baseline
▲ 0.50% · 4.625%
HK$4,727
+HK$271/mo
Deposit HK$102K · loan HK$919K · min. income ≈ HK$8,912/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$4,665
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,790
−HK$127/mo
Today · 4.125%
HK$4,917
baseline
▲ 0.50% · 4.625%
HK$5,176
+HK$259/mo
Deposit HK$102K · loan HK$919K · min. income ≈ HK$9,834/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).