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$2,426
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,502
−HK$76/mo
Today · 4.125%
HK$2,578
baseline
▲ 0.50% · 4.625%
HK$2,735
+HK$157/mo
Deposit HK$532K · loan HK$532K · min. income ≈ HK$5,156/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,699
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,772
−HK$73/mo
Today · 4.125%
HK$2,845
baseline
▲ 0.50% · 4.625%
HK$2,995
+HK$150/mo
Deposit HK$532K · loan HK$532K · min. income ≈ HK$5,690/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,911
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,002
−HK$92/mo
Today · 4.125%
HK$3,094
baseline
▲ 0.50% · 4.625%
HK$3,282
+HK$188/mo
Deposit HK$426K · loan HK$638K · min. income ≈ HK$6,188/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,239
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,326
−HK$88/mo
Today · 4.125%
HK$3,414
baseline
▲ 0.50% · 4.625%
HK$3,594
+HK$180/mo
Deposit HK$426K · loan HK$638K · min. income ≈ HK$6,828/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,397
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,502
−HK$108/mo
Today · 4.125%
HK$3,610
baseline
▲ 0.50% · 4.625%
HK$3,829
+HK$219/mo
Deposit HK$319K · loan HK$745K · min. income ≈ HK$7,220/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,779
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,880
−HK$103/mo
Today · 4.125%
HK$3,983
baseline
▲ 0.50% · 4.625%
HK$4,193
+HK$210/mo
Deposit HK$319K · loan HK$745K · min. income ≈ HK$7,966/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,367
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,503
−HK$138/mo
Today · 4.125%
HK$4,641
baseline
▲ 0.50% · 4.625%
HK$4,923
+HK$282/mo
Deposit HK$106K · loan HK$958K · min. income ≈ HK$9,282/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,858
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,989
−HK$132/mo
Today · 4.125%
HK$5,121
baseline
▲ 0.50% · 4.625%
HK$5,391
+HK$270/mo
Deposit HK$106K · loan HK$958K · min. income ≈ HK$10,242/mo (50% DSR)
Upfront cash ≈ HK$107K (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).