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$2,476
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,553
−HK$78/mo
Today · 4.125%
HK$2,631
baseline
▲ 0.50% · 4.625%
HK$2,791
+HK$160/mo
Deposit HK$543K · loan HK$543K · min. income ≈ HK$5,262/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,754
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,828
−HK$75/mo
Today · 4.125%
HK$2,903
baseline
▲ 0.50% · 4.625%
HK$3,056
+HK$153/mo
Deposit HK$543K · loan HK$543K · min. income ≈ HK$5,806/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,971
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,063
−HK$94/mo
Today · 4.125%
HK$3,157
baseline
▲ 0.50% · 4.625%
HK$3,349
+HK$192/mo
Deposit HK$434K · loan HK$651K · min. income ≈ HK$6,314/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,305
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,394
−HK$90/mo
Today · 4.125%
HK$3,484
baseline
▲ 0.50% · 4.625%
HK$3,667
+HK$183/mo
Deposit HK$434K · loan HK$651K · min. income ≈ HK$6,968/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,466
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,574
−HK$110/mo
Today · 4.125%
HK$3,684
baseline
▲ 0.50% · 4.625%
HK$3,908
+HK$224/mo
Deposit HK$326K · loan HK$760K · min. income ≈ HK$7,368/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,856
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,960
−HK$104/mo
Today · 4.125%
HK$4,064
baseline
▲ 0.50% · 4.625%
HK$4,279
+HK$215/mo
Deposit HK$326K · loan HK$760K · min. income ≈ HK$8,128/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,457
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,595
−HK$141/mo
Today · 4.125%
HK$4,736
baseline
▲ 0.50% · 4.625%
HK$5,024
+HK$288/mo
Deposit HK$109K · loan HK$977K · min. income ≈ HK$9,472/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,958
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,091
−HK$135/mo
Today · 4.125%
HK$5,226
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$275/mo
Deposit HK$109K · loan HK$977K · min. income ≈ HK$10,452/mo (50% DSR)
Upfront cash ≈ HK$109K (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).