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$2,521
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,599
−HK$80/mo
Today · 4.125%
HK$2,679
baseline
▲ 0.50% · 4.625%
HK$2,842
+HK$163/mo
Deposit HK$553K · loan HK$553K · min. income ≈ HK$5,358/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,804
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,879
−HK$77/mo
Today · 4.125%
HK$2,956
baseline
▲ 0.50% · 4.625%
HK$3,111
+HK$155/mo
Deposit HK$553K · loan HK$553K · min. income ≈ HK$5,912/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,025
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,119
−HK$95/mo
Today · 4.125%
HK$3,214
baseline
▲ 0.50% · 4.625%
HK$3,410
+HK$196/mo
Deposit HK$442K · loan HK$663K · min. income ≈ HK$6,428/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,365
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,455
−HK$92/mo
Today · 4.125%
HK$3,547
baseline
▲ 0.50% · 4.625%
HK$3,734
+HK$187/mo
Deposit HK$442K · loan HK$663K · min. income ≈ HK$7,094/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,529
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,639
−HK$111/mo
Today · 4.125%
HK$3,750
baseline
▲ 0.50% · 4.625%
HK$3,978
+HK$228/mo
Deposit HK$332K · loan HK$774K · min. income ≈ HK$7,500/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,926
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,031
−HK$107/mo
Today · 4.125%
HK$4,138
baseline
▲ 0.50% · 4.625%
HK$4,356
+HK$218/mo
Deposit HK$332K · loan HK$774K · min. income ≈ HK$8,276/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,537
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,678
−HK$144/mo
Today · 4.125%
HK$4,822
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$293/mo
Deposit HK$111K · loan HK$995K · min. income ≈ HK$9,644/mo (50% DSR)
Upfront cash ≈ HK$111K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,047
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,183
−HK$137/mo
Today · 4.125%
HK$5,320
baseline
▲ 0.50% · 4.625%
HK$5,601
+HK$281/mo
Deposit HK$111K · loan HK$995K · min. income ≈ HK$10,640/mo (50% DSR)
Upfront cash ≈ HK$111K (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).