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$2,425
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,501
−HK$76/mo
Today · 4.125%
HK$2,577
baseline
▲ 0.50% · 4.625%
HK$2,734
+HK$157/mo
Deposit HK$532K · loan HK$532K · min. income ≈ HK$5,154/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$2,698
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,771
−HK$73/mo
Today · 4.125%
HK$2,844
baseline
▲ 0.50% · 4.625%
HK$2,994
+HK$150/mo
Deposit HK$532K · loan HK$532K · min. income ≈ HK$5,688/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$2,910
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,001
−HK$92/mo
Today · 4.125%
HK$3,093
baseline
▲ 0.50% · 4.625%
HK$3,281
+HK$188/mo
Deposit HK$425K · loan HK$638K · min. income ≈ HK$6,186/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$3,238
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,325
−HK$88/mo
Today · 4.125%
HK$3,413
baseline
▲ 0.50% · 4.625%
HK$3,593
+HK$180/mo
Deposit HK$425K · loan HK$638K · min. income ≈ HK$6,826/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$3,396
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,501
−HK$107/mo
Today · 4.125%
HK$3,608
baseline
▲ 0.50% · 4.625%
HK$3,828
+HK$220/mo
Deposit HK$319K · loan HK$745K · min. income ≈ HK$7,216/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$3,778
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,879
−HK$103/mo
Today · 4.125%
HK$3,982
baseline
▲ 0.50% · 4.625%
HK$4,191
+HK$209/mo
Deposit HK$319K · loan HK$745K · min. income ≈ HK$7,964/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$4,366
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,502
−HK$137/mo
Today · 4.125%
HK$4,639
baseline
▲ 0.50% · 4.625%
HK$4,922
+HK$283/mo
Deposit HK$106K · loan HK$957K · min. income ≈ HK$9,278/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,857
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,987
−HK$132/mo
Today · 4.125%
HK$5,119
baseline
▲ 0.50% · 4.625%
HK$5,389
+HK$270/mo
Deposit HK$106K · loan HK$957K · min. income ≈ HK$10,238/mo (50% DSR)
Upfront cash ≈ HK$106K (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).