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$2,296
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,368
−HK$72/mo
Today · 4.125%
HK$2,440
baseline
▲ 0.50% · 4.625%
HK$2,589
+HK$149/mo
Deposit HK$503K · loan HK$503K · min. income ≈ HK$4,880/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,555
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,623
−HK$70/mo
Today · 4.125%
HK$2,693
baseline
▲ 0.50% · 4.625%
HK$2,834
+HK$141/mo
Deposit HK$503K · loan HK$503K · min. income ≈ HK$5,386/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,755
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,841
−HK$87/mo
Today · 4.125%
HK$2,928
baseline
▲ 0.50% · 4.625%
HK$3,106
+HK$178/mo
Deposit HK$403K · loan HK$604K · min. income ≈ HK$5,856/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,065
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,148
−HK$83/mo
Today · 4.125%
HK$3,231
baseline
▲ 0.50% · 4.625%
HK$3,401
+HK$170/mo
Deposit HK$403K · loan HK$604K · min. income ≈ HK$6,462/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,215
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,315
−HK$101/mo
Today · 4.125%
HK$3,416
baseline
▲ 0.50% · 4.625%
HK$3,624
+HK$208/mo
Deposit HK$302K · loan HK$705K · min. income ≈ HK$6,832/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,576
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$98/mo
Today · 4.125%
HK$3,770
baseline
▲ 0.50% · 4.625%
HK$3,968
+HK$198/mo
Deposit HK$302K · loan HK$705K · min. income ≈ HK$7,540/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,133
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,262
−HK$130/mo
Today · 4.125%
HK$4,392
baseline
▲ 0.50% · 4.625%
HK$4,660
+HK$268/mo
Deposit HK$101K · loan HK$906K · min. income ≈ HK$8,784/mo (50% DSR)
Upfront cash ≈ HK$101K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,598
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,721
−HK$126/mo
Today · 4.125%
HK$4,847
baseline
▲ 0.50% · 4.625%
HK$5,102
+HK$255/mo
Deposit HK$101K · loan HK$906K · min. income ≈ HK$9,694/mo (50% DSR)
Upfront cash ≈ HK$101K (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).