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$2,119
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,184
−HK$67/mo
Today · 4.125%
HK$2,251
baseline
▲ 0.50% · 4.625%
HK$2,388
+HK$137/mo
Deposit HK$465K · loan HK$465K · min. income ≈ HK$4,502/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,357
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,420
−HK$64/mo
Today · 4.125%
HK$2,484
baseline
▲ 0.50% · 4.625%
HK$2,615
+HK$131/mo
Deposit HK$465K · loan HK$465K · min. income ≈ HK$4,968/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,542
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,621
−HK$81/mo
Today · 4.125%
HK$2,702
baseline
▲ 0.50% · 4.625%
HK$2,866
+HK$164/mo
Deposit HK$372K · loan HK$557K · min. income ≈ HK$5,404/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,828
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,904
−HK$77/mo
Today · 4.125%
HK$2,981
baseline
▲ 0.50% · 4.625%
HK$3,138
+HK$157/mo
Deposit HK$372K · loan HK$557K · min. income ≈ HK$5,962/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,966
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,058
−HK$94/mo
Today · 4.125%
HK$3,152
baseline
▲ 0.50% · 4.625%
HK$3,344
+HK$192/mo
Deposit HK$279K · loan HK$650K · min. income ≈ HK$6,304/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,300
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,388
−HK$90/mo
Today · 4.125%
HK$3,478
baseline
▲ 0.50% · 4.625%
HK$3,661
+HK$183/mo
Deposit HK$279K · loan HK$650K · min. income ≈ HK$6,956/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,813
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,932
−HK$121/mo
Today · 4.125%
HK$4,053
baseline
▲ 0.50% · 4.625%
HK$4,299
+HK$246/mo
Deposit HK$93K · loan HK$836K · min. income ≈ HK$8,106/mo (50% DSR)
Upfront cash ≈ HK$93K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,242
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,356
−HK$116/mo
Today · 4.125%
HK$4,472
baseline
▲ 0.50% · 4.625%
HK$4,707
+HK$235/mo
Deposit HK$93K · loan HK$836K · min. income ≈ HK$8,944/mo (50% DSR)
Upfront cash ≈ HK$93K (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).