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$1,852
−HK$116/mo
▼ 0.25% · 3.875%
HK$1,909
−HK$59/mo
Today · 4.125%
HK$1,968
baseline
▲ 0.50% · 4.625%
HK$2,087
+HK$119/mo
Deposit HK$406K · loan HK$406K · min. income ≈ HK$3,936/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,060
−HK$111/mo
▼ 0.25% · 3.875%
HK$2,115
−HK$56/mo
Today · 4.125%
HK$2,171
baseline
▲ 0.50% · 4.625%
HK$2,286
+HK$115/mo
Deposit HK$406K · loan HK$406K · min. income ≈ HK$4,342/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,222
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,291
−HK$70/mo
Today · 4.125%
HK$2,361
baseline
▲ 0.50% · 4.625%
HK$2,505
+HK$144/mo
Deposit HK$325K · loan HK$487K · min. income ≈ HK$4,722/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,472
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,538
−HK$67/mo
Today · 4.125%
HK$2,605
baseline
▲ 0.50% · 4.625%
HK$2,743
+HK$138/mo
Deposit HK$325K · loan HK$487K · min. income ≈ HK$5,210/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,592
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,673
−HK$82/mo
Today · 4.125%
HK$2,755
baseline
▲ 0.50% · 4.625%
HK$2,922
+HK$167/mo
Deposit HK$244K · loan HK$568K · min. income ≈ HK$5,510/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,884
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,961
−HK$79/mo
Today · 4.125%
HK$3,040
baseline
▲ 0.50% · 4.625%
HK$3,200
+HK$160/mo
Deposit HK$244K · loan HK$568K · min. income ≈ HK$6,080/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,333
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,437
−HK$105/mo
Today · 4.125%
HK$3,542
baseline
▲ 0.50% · 4.625%
HK$3,757
+HK$215/mo
Deposit HK$81K · loan HK$731K · min. income ≈ HK$7,084/mo (50% DSR)
Upfront cash ≈ HK$81K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,708
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,807
−HK$101/mo
Today · 4.125%
HK$3,908
baseline
▲ 0.50% · 4.625%
HK$4,114
+HK$206/mo
Deposit HK$81K · loan HK$731K · min. income ≈ HK$7,816/mo (50% DSR)
Upfront cash ≈ HK$81K (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).