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$2,147
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,214
−HK$68/mo
Today · 4.125%
HK$2,282
baseline
▲ 0.50% · 4.625%
HK$2,421
+HK$139/mo
Deposit HK$471K · loan HK$471K · min. income ≈ HK$4,564/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,389
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,453
−HK$65/mo
Today · 4.125%
HK$2,518
baseline
▲ 0.50% · 4.625%
HK$2,651
+HK$133/mo
Deposit HK$471K · loan HK$471K · min. income ≈ HK$5,036/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,577
−HK$161/mo
▼ 0.25% · 3.875%
HK$2,657
−HK$81/mo
Today · 4.125%
HK$2,738
baseline
▲ 0.50% · 4.625%
HK$2,905
+HK$167/mo
Deposit HK$377K · loan HK$565K · min. income ≈ HK$5,476/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,867
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,943
−HK$78/mo
Today · 4.125%
HK$3,021
baseline
▲ 0.50% · 4.625%
HK$3,181
+HK$160/mo
Deposit HK$377K · loan HK$565K · min. income ≈ HK$6,042/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,006
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,100
−HK$95/mo
Today · 4.125%
HK$3,195
baseline
▲ 0.50% · 4.625%
HK$3,389
+HK$194/mo
Deposit HK$282K · loan HK$659K · min. income ≈ HK$6,390/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,344
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,434
−HK$91/mo
Today · 4.125%
HK$3,525
baseline
▲ 0.50% · 4.625%
HK$3,711
+HK$186/mo
Deposit HK$282K · loan HK$659K · min. income ≈ HK$7,050/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,865
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,985
−HK$122/mo
Today · 4.125%
HK$4,107
baseline
▲ 0.50% · 4.625%
HK$4,357
+HK$250/mo
Deposit HK$94K · loan HK$847K · min. income ≈ HK$8,214/mo (50% DSR)
Upfront cash ≈ HK$94K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,300
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,415
−HK$117/mo
Today · 4.125%
HK$4,532
baseline
▲ 0.50% · 4.625%
HK$4,771
+HK$239/mo
Deposit HK$94K · loan HK$847K · min. income ≈ HK$9,064/mo (50% DSR)
Upfront cash ≈ HK$94K (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).