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$2,473
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,550
−HK$78/mo
Today · 4.125%
HK$2,628
baseline
▲ 0.50% · 4.625%
HK$2,788
+HK$160/mo
Deposit HK$542K · loan HK$542K · min. income ≈ HK$5,256/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,751
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,825
−HK$75/mo
Today · 4.125%
HK$2,900
baseline
▲ 0.50% · 4.625%
HK$3,053
+HK$153/mo
Deposit HK$542K · loan HK$542K · min. income ≈ HK$5,800/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,968
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,060
−HK$94/mo
Today · 4.125%
HK$3,154
baseline
▲ 0.50% · 4.625%
HK$3,346
+HK$192/mo
Deposit HK$434K · loan HK$651K · min. income ≈ HK$6,308/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,302
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,390
−HK$90/mo
Today · 4.125%
HK$3,480
baseline
▲ 0.50% · 4.625%
HK$3,663
+HK$183/mo
Deposit HK$434K · loan HK$651K · min. income ≈ HK$6,960/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,462
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,570
−HK$109/mo
Today · 4.125%
HK$3,679
baseline
▲ 0.50% · 4.625%
HK$3,903
+HK$224/mo
Deposit HK$325K · loan HK$759K · min. income ≈ HK$7,358/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$3,852
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,955
−HK$105/mo
Today · 4.125%
HK$4,060
baseline
▲ 0.50% · 4.625%
HK$4,274
+HK$214/mo
Deposit HK$325K · loan HK$759K · min. income ≈ HK$8,120/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$4,452
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,590
−HK$141/mo
Today · 4.125%
HK$4,731
baseline
▲ 0.50% · 4.625%
HK$5,019
+HK$288/mo
Deposit HK$108K · loan HK$976K · min. income ≈ HK$9,462/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,952
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$135/mo
Today · 4.125%
HK$5,220
baseline
▲ 0.50% · 4.625%
HK$5,495
+HK$275/mo
Deposit HK$108K · loan HK$976K · min. income ≈ HK$10,440/mo (50% DSR)
Upfront cash ≈ HK$109K (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).