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$2,403
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,478
−HK$76/mo
Today · 4.125%
HK$2,554
baseline
▲ 0.50% · 4.625%
HK$2,709
+HK$155/mo
Deposit HK$527K · loan HK$527K · min. income ≈ HK$5,108/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,673
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,745
−HK$73/mo
Today · 4.125%
HK$2,818
baseline
▲ 0.50% · 4.625%
HK$2,966
+HK$148/mo
Deposit HK$527K · loan HK$527K · min. income ≈ HK$5,636/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,884
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,973
−HK$92/mo
Today · 4.125%
HK$3,065
baseline
▲ 0.50% · 4.625%
HK$3,251
+HK$186/mo
Deposit HK$422K · loan HK$632K · min. income ≈ HK$6,130/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,208
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,294
−HK$88/mo
Today · 4.125%
HK$3,382
baseline
▲ 0.50% · 4.625%
HK$3,560
+HK$178/mo
Deposit HK$422K · loan HK$632K · min. income ≈ HK$6,764/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,364
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,469
−HK$106/mo
Today · 4.125%
HK$3,575
baseline
▲ 0.50% · 4.625%
HK$3,793
+HK$218/mo
Deposit HK$316K · loan HK$738K · min. income ≈ HK$7,150/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,743
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,843
−HK$102/mo
Today · 4.125%
HK$3,945
baseline
▲ 0.50% · 4.625%
HK$4,153
+HK$208/mo
Deposit HK$316K · loan HK$738K · min. income ≈ HK$7,890/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,326
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,460
−HK$137/mo
Today · 4.125%
HK$4,597
baseline
▲ 0.50% · 4.625%
HK$4,877
+HK$280/mo
Deposit HK$105K · loan HK$949K · min. income ≈ HK$9,194/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,812
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,941
−HK$131/mo
Today · 4.125%
HK$5,072
baseline
▲ 0.50% · 4.625%
HK$5,340
+HK$268/mo
Deposit HK$105K · loan HK$949K · min. income ≈ HK$10,144/mo (50% DSR)
Upfront cash ≈ HK$105K (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).