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$2,267
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,337
−HK$72/mo
Today · 4.125%
HK$2,409
baseline
▲ 0.50% · 4.625%
HK$2,556
+HK$147/mo
Deposit HK$497K · loan HK$497K · min. income ≈ HK$4,818/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,522
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,589
−HK$69/mo
Today · 4.125%
HK$2,658
baseline
▲ 0.50% · 4.625%
HK$2,798
+HK$140/mo
Deposit HK$497K · loan HK$497K · min. income ≈ HK$5,316/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,720
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,805
−HK$86/mo
Today · 4.125%
HK$2,891
baseline
▲ 0.50% · 4.625%
HK$3,067
+HK$176/mo
Deposit HK$398K · loan HK$596K · min. income ≈ HK$5,782/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,026
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,107
−HK$83/mo
Today · 4.125%
HK$3,190
baseline
▲ 0.50% · 4.625%
HK$3,358
+HK$168/mo
Deposit HK$398K · loan HK$596K · min. income ≈ HK$6,380/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,174
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,272
−HK$101/mo
Today · 4.125%
HK$3,373
baseline
▲ 0.50% · 4.625%
HK$3,578
+HK$205/mo
Deposit HK$298K · loan HK$696K · min. income ≈ HK$6,746/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,531
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,625
−HK$96/mo
Today · 4.125%
HK$3,721
baseline
▲ 0.50% · 4.625%
HK$3,917
+HK$196/mo
Deposit HK$298K · loan HK$696K · min. income ≈ HK$7,442/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,080
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,207
−HK$129/mo
Today · 4.125%
HK$4,336
baseline
▲ 0.50% · 4.625%
HK$4,600
+HK$264/mo
Deposit HK$99K · loan HK$895K · min. income ≈ HK$8,672/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,539
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,661
−HK$124/mo
Today · 4.125%
HK$4,785
baseline
▲ 0.50% · 4.625%
HK$5,037
+HK$252/mo
Deposit HK$99K · loan HK$895K · min. income ≈ HK$9,570/mo (50% DSR)
Upfront cash ≈ HK$100K (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).