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$2,366
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,439
−HK$75/mo
Today · 4.125%
HK$2,514
baseline
▲ 0.50% · 4.625%
HK$2,667
+HK$153/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,028/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,632
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,703
−HK$71/mo
Today · 4.125%
HK$2,774
baseline
▲ 0.50% · 4.625%
HK$2,920
+HK$146/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,548/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,839
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,927
−HK$90/mo
Today · 4.125%
HK$3,017
baseline
▲ 0.50% · 4.625%
HK$3,201
+HK$184/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,034/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,158
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,243
−HK$86/mo
Today · 4.125%
HK$3,329
baseline
▲ 0.50% · 4.625%
HK$3,504
+HK$175/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,658/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,312
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,415
−HK$105/mo
Today · 4.125%
HK$3,520
baseline
▲ 0.50% · 4.625%
HK$3,734
+HK$214/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,040/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,685
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,784
−HK$100/mo
Today · 4.125%
HK$3,884
baseline
▲ 0.50% · 4.625%
HK$4,089
+HK$205/mo
Deposit HK$311K · loan HK$726K · min. income ≈ HK$7,768/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,258
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,391
−HK$135/mo
Today · 4.125%
HK$4,526
baseline
▲ 0.50% · 4.625%
HK$4,801
+HK$275/mo
Deposit HK$104K · loan HK$934K · min. income ≈ HK$9,052/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,737
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,865
−HK$128/mo
Today · 4.125%
HK$4,993
baseline
▲ 0.50% · 4.625%
HK$5,257
+HK$264/mo
Deposit HK$104K · loan HK$934K · min. income ≈ HK$9,986/mo (50% DSR)
Upfront cash ≈ HK$104K (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).