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$2,039
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,103
−HK$64/mo
Today · 4.125%
HK$2,167
baseline
▲ 0.50% · 4.625%
HK$2,299
+HK$132/mo
Deposit HK$447K · loan HK$447K · min. income ≈ HK$4,334/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,269
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,329
−HK$62/mo
Today · 4.125%
HK$2,391
baseline
▲ 0.50% · 4.625%
HK$2,517
+HK$126/mo
Deposit HK$447K · loan HK$447K · min. income ≈ HK$4,782/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,447
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,523
−HK$78/mo
Today · 4.125%
HK$2,601
baseline
▲ 0.50% · 4.625%
HK$2,759
+HK$158/mo
Deposit HK$358K · loan HK$537K · min. income ≈ HK$5,202/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,722
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,795
−HK$74/mo
Today · 4.125%
HK$2,869
baseline
▲ 0.50% · 4.625%
HK$3,021
+HK$152/mo
Deposit HK$358K · loan HK$537K · min. income ≈ HK$5,738/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,855
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,944
−HK$90/mo
Today · 4.125%
HK$3,034
baseline
▲ 0.50% · 4.625%
HK$3,219
+HK$185/mo
Deposit HK$268K · loan HK$626K · min. income ≈ HK$6,068/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,176
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,261
−HK$87/mo
Today · 4.125%
HK$3,348
baseline
▲ 0.50% · 4.625%
HK$3,524
+HK$176/mo
Deposit HK$268K · loan HK$626K · min. income ≈ HK$6,696/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,671
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,785
−HK$116/mo
Today · 4.125%
HK$3,901
baseline
▲ 0.50% · 4.625%
HK$4,138
+HK$237/mo
Deposit HK$89K · loan HK$805K · min. income ≈ HK$7,802/mo (50% DSR)
Upfront cash ≈ HK$90K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,084
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,193
−HK$111/mo
Today · 4.125%
HK$4,304
baseline
▲ 0.50% · 4.625%
HK$4,531
+HK$227/mo
Deposit HK$89K · loan HK$805K · min. income ≈ HK$8,608/mo (50% DSR)
Upfront cash ≈ HK$90K (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).