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$2,446
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,522
−HK$77/mo
Today · 4.125%
HK$2,599
baseline
▲ 0.50% · 4.625%
HK$2,758
+HK$159/mo
Deposit HK$536K · loan HK$536K · min. income ≈ HK$5,198/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,721
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,794
−HK$74/mo
Today · 4.125%
HK$2,868
baseline
▲ 0.50% · 4.625%
HK$3,019
+HK$151/mo
Deposit HK$536K · loan HK$536K · min. income ≈ HK$5,736/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,935
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,026
−HK$93/mo
Today · 4.125%
HK$3,119
baseline
▲ 0.50% · 4.625%
HK$3,309
+HK$190/mo
Deposit HK$429K · loan HK$644K · min. income ≈ HK$6,238/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,265
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,353
−HK$89/mo
Today · 4.125%
HK$3,442
baseline
▲ 0.50% · 4.625%
HK$3,623
+HK$181/mo
Deposit HK$429K · loan HK$644K · min. income ≈ HK$6,884/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,424
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,531
−HK$108/mo
Today · 4.125%
HK$3,639
baseline
▲ 0.50% · 4.625%
HK$3,861
+HK$222/mo
Deposit HK$322K · loan HK$751K · min. income ≈ HK$7,278/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,810
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,912
−HK$103/mo
Today · 4.125%
HK$4,015
baseline
▲ 0.50% · 4.625%
HK$4,227
+HK$212/mo
Deposit HK$322K · loan HK$751K · min. income ≈ HK$8,030/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,403
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,540
−HK$139/mo
Today · 4.125%
HK$4,679
baseline
▲ 0.50% · 4.625%
HK$4,964
+HK$285/mo
Deposit HK$107K · loan HK$965K · min. income ≈ HK$9,358/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,898
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,029
−HK$134/mo
Today · 4.125%
HK$5,163
baseline
▲ 0.50% · 4.625%
HK$5,435
+HK$272/mo
Deposit HK$107K · loan HK$965K · min. income ≈ HK$10,326/mo (50% DSR)
Upfront cash ≈ HK$107K (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).