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$2,114
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,180
−HK$67/mo
Today · 4.125%
HK$2,247
baseline
▲ 0.50% · 4.625%
HK$2,383
+HK$136/mo
Deposit HK$464K · loan HK$464K · min. income ≈ HK$4,494/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,352
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,415
−HK$64/mo
Today · 4.125%
HK$2,479
baseline
▲ 0.50% · 4.625%
HK$2,610
+HK$131/mo
Deposit HK$464K · loan HK$464K · min. income ≈ HK$4,958/mo (50% DSR)
Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,537
−HK$159/mo
▼ 0.25% · 3.875%
HK$2,616
−HK$80/mo
Today · 4.125%
HK$2,696
baseline
▲ 0.50% · 4.625%
HK$2,860
+HK$164/mo
Deposit HK$371K · loan HK$556K · min. income ≈ HK$5,392/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,822
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,898
−HK$77/mo
Today · 4.125%
HK$2,975
baseline
▲ 0.50% · 4.625%
HK$3,132
+HK$157/mo
Deposit HK$371K · loan HK$556K · min. income ≈ HK$5,950/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,960
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,052
−HK$93/mo
Today · 4.125%
HK$3,145
baseline
▲ 0.50% · 4.625%
HK$3,337
+HK$192/mo
Deposit HK$278K · loan HK$649K · min. income ≈ HK$6,290/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,293
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,381
−HK$90/mo
Today · 4.125%
HK$3,471
baseline
▲ 0.50% · 4.625%
HK$3,654
+HK$183/mo
Deposit HK$278K · loan HK$649K · min. income ≈ HK$6,942/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,806
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,924
−HK$120/mo
Today · 4.125%
HK$4,044
baseline
▲ 0.50% · 4.625%
HK$4,290
+HK$246/mo
Deposit HK$93K · loan HK$834K · min. income ≈ HK$8,088/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$4,234
−HK$228/mo
▼ 0.25% · 3.875%
HK$4,347
−HK$115/mo
Today · 4.125%
HK$4,462
baseline
▲ 0.50% · 4.625%
HK$4,698
+HK$236/mo
Deposit HK$93K · loan HK$834K · min. income ≈ HK$8,924/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).