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$1,566
−HK$98/mo
▼ 0.25% · 3.875%
HK$1,614
−HK$50/mo
Today · 4.125%
HK$1,664
baseline
▲ 0.50% · 4.625%
HK$1,765
+HK$101/mo
Deposit HK$343K · loan HK$343K · min. income ≈ HK$3,328/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,742
−HK$94/mo
▼ 0.25% · 3.875%
HK$1,788
−HK$48/mo
Today · 4.125%
HK$1,836
baseline
▲ 0.50% · 4.625%
HK$1,933
+HK$97/mo
Deposit HK$343K · loan HK$343K · min. income ≈ HK$3,672/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,879
−HK$118/mo
▼ 0.25% · 3.875%
HK$1,937
−HK$60/mo
Today · 4.125%
HK$1,997
baseline
▲ 0.50% · 4.625%
HK$2,118
+HK$121/mo
Deposit HK$275K · loan HK$412K · min. income ≈ HK$3,994/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,090
−HK$113/mo
▼ 0.25% · 3.875%
HK$2,146
−HK$57/mo
Today · 4.125%
HK$2,203
baseline
▲ 0.50% · 4.625%
HK$2,319
+HK$116/mo
Deposit HK$275K · loan HK$412K · min. income ≈ HK$4,406/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,192
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,260
−HK$69/mo
Today · 4.125%
HK$2,329
baseline
▲ 0.50% · 4.625%
HK$2,471
+HK$142/mo
Deposit HK$206K · loan HK$481K · min. income ≈ HK$4,658/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,438
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,504
−HK$66/mo
Today · 4.125%
HK$2,570
baseline
▲ 0.50% · 4.625%
HK$2,706
+HK$136/mo
Deposit HK$206K · loan HK$481K · min. income ≈ HK$5,140/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,818
−HK$177/mo
▼ 0.25% · 3.875%
HK$2,906
−HK$89/mo
Today · 4.125%
HK$2,995
baseline
▲ 0.50% · 4.625%
HK$3,177
+HK$182/mo
Deposit HK$69K · loan HK$618K · min. income ≈ HK$5,990/mo (50% DSR)
Upfront cash ≈ HK$69K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,135
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,219
−HK$85/mo
Today · 4.125%
HK$3,304
baseline
▲ 0.50% · 4.625%
HK$3,479
+HK$175/mo
Deposit HK$69K · loan HK$618K · min. income ≈ HK$6,608/mo (50% DSR)
Upfront cash ≈ HK$69K (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).