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$1,899
−HK$119/mo
▼ 0.25% · 3.875%
HK$1,958
−HK$60/mo
Today · 4.125%
HK$2,018
baseline
▲ 0.50% · 4.625%
HK$2,140
+HK$122/mo
Deposit HK$416K · loan HK$416K · min. income ≈ HK$4,036/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,112
−HK$114/mo
▼ 0.25% · 3.875%
HK$2,169
−HK$57/mo
Today · 4.125%
HK$2,226
baseline
▲ 0.50% · 4.625%
HK$2,344
+HK$118/mo
Deposit HK$416K · loan HK$416K · min. income ≈ HK$4,452/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,278
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,349
−HK$72/mo
Today · 4.125%
HK$2,421
baseline
▲ 0.50% · 4.625%
HK$2,568
+HK$147/mo
Deposit HK$333K · loan HK$500K · min. income ≈ HK$4,842/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,535
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,603
−HK$68/mo
Today · 4.125%
HK$2,671
baseline
▲ 0.50% · 4.625%
HK$2,812
+HK$141/mo
Deposit HK$333K · loan HK$500K · min. income ≈ HK$5,342/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,658
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,741
−HK$84/mo
Today · 4.125%
HK$2,825
baseline
▲ 0.50% · 4.625%
HK$2,997
+HK$172/mo
Deposit HK$250K · loan HK$583K · min. income ≈ HK$5,650/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,957
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,036
−HK$81/mo
Today · 4.125%
HK$3,117
baseline
▲ 0.50% · 4.625%
HK$3,281
+HK$164/mo
Deposit HK$250K · loan HK$583K · min. income ≈ HK$6,234/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,417
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,524
−HK$108/mo
Today · 4.125%
HK$3,632
baseline
▲ 0.50% · 4.625%
HK$3,853
+HK$221/mo
Deposit HK$83K · loan HK$749K · min. income ≈ HK$7,264/mo (50% DSR)
Upfront cash ≈ HK$83K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,802
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,904
−HK$103/mo
Today · 4.125%
HK$4,007
baseline
▲ 0.50% · 4.625%
HK$4,218
+HK$211/mo
Deposit HK$83K · loan HK$749K · min. income ≈ HK$8,014/mo (50% DSR)
Upfront cash ≈ HK$83K (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).