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$2,339
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,412
−HK$73/mo
Today · 4.125%
HK$2,485
baseline
▲ 0.50% · 4.625%
HK$2,637
+HK$152/mo
Deposit HK$513K · loan HK$513K · min. income ≈ HK$4,970/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,602
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,672
−HK$70/mo
Today · 4.125%
HK$2,742
baseline
▲ 0.50% · 4.625%
HK$2,887
+HK$145/mo
Deposit HK$513K · loan HK$513K · min. income ≈ HK$5,484/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,807
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,894
−HK$89/mo
Today · 4.125%
HK$2,983
baseline
▲ 0.50% · 4.625%
HK$3,164
+HK$181/mo
Deposit HK$410K · loan HK$615K · min. income ≈ HK$5,966/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,122
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,206
−HK$85/mo
Today · 4.125%
HK$3,291
baseline
▲ 0.50% · 4.625%
HK$3,464
+HK$173/mo
Deposit HK$410K · loan HK$615K · min. income ≈ HK$6,582/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,274
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,376
−HK$104/mo
Today · 4.125%
HK$3,480
baseline
▲ 0.50% · 4.625%
HK$3,691
+HK$211/mo
Deposit HK$308K · loan HK$718K · min. income ≈ HK$6,960/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,643
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,740
−HK$99/mo
Today · 4.125%
HK$3,839
baseline
▲ 0.50% · 4.625%
HK$4,042
+HK$203/mo
Deposit HK$308K · loan HK$718K · min. income ≈ HK$7,678/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,210
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,341
−HK$133/mo
Today · 4.125%
HK$4,474
baseline
▲ 0.50% · 4.625%
HK$4,746
+HK$272/mo
Deposit HK$103K · loan HK$923K · min. income ≈ HK$8,948/mo (50% DSR)
Upfront cash ≈ HK$103K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,683
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,809
−HK$127/mo
Today · 4.125%
HK$4,936
baseline
▲ 0.50% · 4.625%
HK$5,197
+HK$261/mo
Deposit HK$103K · loan HK$923K · min. income ≈ HK$9,872/mo (50% DSR)
Upfront cash ≈ HK$103K (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).