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$2,486
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,563
−HK$79/mo
Today · 4.125%
HK$2,642
baseline
▲ 0.50% · 4.625%
HK$2,803
+HK$161/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,284/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,766
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,840
−HK$75/mo
Today · 4.125%
HK$2,915
baseline
▲ 0.50% · 4.625%
HK$3,069
+HK$154/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,830/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,983
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,076
−HK$94/mo
Today · 4.125%
HK$3,170
baseline
▲ 0.50% · 4.625%
HK$3,363
+HK$193/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,340/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,319
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,408
−HK$90/mo
Today · 4.125%
HK$3,498
baseline
▲ 0.50% · 4.625%
HK$3,682
+HK$184/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,996/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,480
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,589
−HK$110/mo
Today · 4.125%
HK$3,699
baseline
▲ 0.50% · 4.625%
HK$3,924
+HK$225/mo
Deposit HK$327K · loan HK$763K · min. income ≈ HK$7,398/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,872
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,976
−HK$105/mo
Today · 4.125%
HK$4,081
baseline
▲ 0.50% · 4.625%
HK$4,296
+HK$215/mo
Deposit HK$327K · loan HK$763K · min. income ≈ HK$8,162/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,475
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$141/mo
Today · 4.125%
HK$4,755
baseline
▲ 0.50% · 4.625%
HK$5,045
+HK$290/mo
Deposit HK$109K · loan HK$981K · min. income ≈ HK$9,510/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,978
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$135/mo
Today · 4.125%
HK$5,247
baseline
▲ 0.50% · 4.625%
HK$5,524
+HK$277/mo
Deposit HK$109K · loan HK$981K · min. income ≈ HK$10,494/mo (50% DSR)
Upfront cash ≈ HK$109K (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).