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$1,615
−HK$102/mo
▼ 0.25% · 3.875%
HK$1,666
−HK$51/mo
Today · 4.125%
HK$1,717
baseline
▲ 0.50% · 4.625%
HK$1,821
+HK$104/mo
Deposit HK$354K · loan HK$354K · min. income ≈ HK$3,434/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,797
−HK$97/mo
▼ 0.25% · 3.875%
HK$1,845
−HK$49/mo
Today · 4.125%
HK$1,894
baseline
▲ 0.50% · 4.625%
HK$1,994
+HK$100/mo
Deposit HK$354K · loan HK$354K · min. income ≈ HK$3,788/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,938
−HK$122/mo
▼ 0.25% · 3.875%
HK$1,999
−HK$61/mo
Today · 4.125%
HK$2,060
baseline
▲ 0.50% · 4.625%
HK$2,185
+HK$125/mo
Deposit HK$283K · loan HK$425K · min. income ≈ HK$4,120/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,156
−HK$117/mo
▼ 0.25% · 3.875%
HK$2,214
−HK$59/mo
Today · 4.125%
HK$2,273
baseline
▲ 0.50% · 4.625%
HK$2,393
+HK$120/mo
Deposit HK$283K · loan HK$425K · min. income ≈ HK$4,546/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,261
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,332
−HK$71/mo
Today · 4.125%
HK$2,403
baseline
▲ 0.50% · 4.625%
HK$2,550
+HK$147/mo
Deposit HK$213K · loan HK$496K · min. income ≈ HK$4,806/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,516
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,583
−HK$69/mo
Today · 4.125%
HK$2,652
baseline
▲ 0.50% · 4.625%
HK$2,792
+HK$140/mo
Deposit HK$213K · loan HK$496K · min. income ≈ HK$5,304/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,908
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,998
−HK$92/mo
Today · 4.125%
HK$3,090
baseline
▲ 0.50% · 4.625%
HK$3,278
+HK$188/mo
Deposit HK$71K · loan HK$638K · min. income ≈ HK$6,180/mo (50% DSR)
Upfront cash ≈ HK$71K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,235
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,321
−HK$88/mo
Today · 4.125%
HK$3,409
baseline
▲ 0.50% · 4.625%
HK$3,589
+HK$180/mo
Deposit HK$71K · loan HK$638K · min. income ≈ HK$6,818/mo (50% DSR)
Upfront cash ≈ HK$71K (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).