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$1,484
−HK$93/mo
▼ 0.25% · 3.875%
HK$1,531
−HK$46/mo
Today · 4.125%
HK$1,577
baseline
▲ 0.50% · 4.625%
HK$1,673
+HK$96/mo
Deposit HK$325K · loan HK$325K · min. income ≈ HK$3,154/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$1,651
−HK$90/mo
▼ 0.25% · 3.875%
HK$1,696
−HK$45/mo
Today · 4.125%
HK$1,741
baseline
▲ 0.50% · 4.625%
HK$1,832
+HK$91/mo
Deposit HK$325K · loan HK$325K · min. income ≈ HK$3,482/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$1,781
−HK$112/mo
▼ 0.25% · 3.875%
HK$1,837
−HK$56/mo
Today · 4.125%
HK$1,893
baseline
▲ 0.50% · 4.625%
HK$2,008
+HK$115/mo
Deposit HK$260K · loan HK$391K · min. income ≈ HK$3,786/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,982
−HK$107/mo
▼ 0.25% · 3.875%
HK$2,035
−HK$54/mo
Today · 4.125%
HK$2,089
baseline
▲ 0.50% · 4.625%
HK$2,199
+HK$110/mo
Deposit HK$260K · loan HK$391K · min. income ≈ HK$4,178/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,078
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,143
−HK$65/mo
Today · 4.125%
HK$2,208
baseline
▲ 0.50% · 4.625%
HK$2,343
+HK$135/mo
Deposit HK$195K · loan HK$456K · min. income ≈ HK$4,416/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,312
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,374
−HK$63/mo
Today · 4.125%
HK$2,437
baseline
▲ 0.50% · 4.625%
HK$2,565
+HK$128/mo
Deposit HK$195K · loan HK$456K · min. income ≈ HK$4,874/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,672
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,755
−HK$84/mo
Today · 4.125%
HK$2,839
baseline
▲ 0.50% · 4.625%
HK$3,012
+HK$173/mo
Deposit HK$65K · loan HK$586K · min. income ≈ HK$5,678/mo (50% DSR)
Upfront cash ≈ HK$65K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,972
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,052
−HK$81/mo
Today · 4.125%
HK$3,133
baseline
▲ 0.50% · 4.625%
HK$3,298
+HK$165/mo
Deposit HK$65K · loan HK$586K · min. income ≈ HK$6,266/mo (50% DSR)
Upfront cash ≈ HK$65K (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).