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$2,001
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,064
−HK$63/mo
Today · 4.125%
HK$2,127
baseline
▲ 0.50% · 4.625%
HK$2,256
+HK$129/mo
Deposit HK$439K · loan HK$439K · min. income ≈ HK$4,254/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,227
−HK$120/mo
▼ 0.25% · 3.875%
HK$2,286
−HK$61/mo
Today · 4.125%
HK$2,347
baseline
▲ 0.50% · 4.625%
HK$2,471
+HK$124/mo
Deposit HK$439K · loan HK$439K · min. income ≈ HK$4,694/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,402
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,476
−HK$76/mo
Today · 4.125%
HK$2,552
baseline
▲ 0.50% · 4.625%
HK$2,708
+HK$156/mo
Deposit HK$351K · loan HK$527K · min. income ≈ HK$5,104/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,672
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,744
−HK$72/mo
Today · 4.125%
HK$2,816
baseline
▲ 0.50% · 4.625%
HK$2,965
+HK$149/mo
Deposit HK$351K · loan HK$527K · min. income ≈ HK$5,632/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,802
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,889
−HK$89/mo
Today · 4.125%
HK$2,978
baseline
▲ 0.50% · 4.625%
HK$3,159
+HK$181/mo
Deposit HK$263K · loan HK$614K · min. income ≈ HK$5,956/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,117
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,201
−HK$85/mo
Today · 4.125%
HK$3,286
baseline
▲ 0.50% · 4.625%
HK$3,459
+HK$173/mo
Deposit HK$263K · loan HK$614K · min. income ≈ HK$6,572/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,603
−HK$225/mo
▼ 0.25% · 3.875%
HK$3,715
−HK$113/mo
Today · 4.125%
HK$3,828
baseline
▲ 0.50% · 4.625%
HK$4,061
+HK$233/mo
Deposit HK$88K · loan HK$790K · min. income ≈ HK$7,656/mo (50% DSR)
Upfront cash ≈ HK$88K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,008
−HK$216/mo
▼ 0.25% · 3.875%
HK$4,115
−HK$109/mo
Today · 4.125%
HK$4,224
baseline
▲ 0.50% · 4.625%
HK$4,447
+HK$223/mo
Deposit HK$88K · loan HK$790K · min. income ≈ HK$8,448/mo (50% DSR)
Upfront cash ≈ HK$88K (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).