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$2,453
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,529
−HK$77/mo
Today · 4.125%
HK$2,606
baseline
▲ 0.50% · 4.625%
HK$2,765
+HK$159/mo
Deposit HK$538K · loan HK$538K · min. income ≈ HK$5,212/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,728
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,802
−HK$74/mo
Today · 4.125%
HK$2,876
baseline
▲ 0.50% · 4.625%
HK$3,027
+HK$151/mo
Deposit HK$538K · loan HK$538K · min. income ≈ HK$5,752/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,943
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,035
−HK$93/mo
Today · 4.125%
HK$3,128
baseline
▲ 0.50% · 4.625%
HK$3,318
+HK$190/mo
Deposit HK$430K · loan HK$645K · min. income ≈ HK$6,256/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,274
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,362
−HK$89/mo
Today · 4.125%
HK$3,451
baseline
▲ 0.50% · 4.625%
HK$3,633
+HK$182/mo
Deposit HK$430K · loan HK$645K · min. income ≈ HK$6,902/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,434
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,540
−HK$109/mo
Today · 4.125%
HK$3,649
baseline
▲ 0.50% · 4.625%
HK$3,871
+HK$222/mo
Deposit HK$323K · loan HK$753K · min. income ≈ HK$7,298/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,820
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,922
−HK$104/mo
Today · 4.125%
HK$4,026
baseline
▲ 0.50% · 4.625%
HK$4,238
+HK$212/mo
Deposit HK$323K · loan HK$753K · min. income ≈ HK$8,052/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,415
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,552
−HK$139/mo
Today · 4.125%
HK$4,691
baseline
▲ 0.50% · 4.625%
HK$4,977
+HK$286/mo
Deposit HK$108K · loan HK$968K · min. income ≈ HK$9,382/mo (50% DSR)
Upfront cash ≈ HK$108K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,911
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$133/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$273/mo
Deposit HK$108K · loan HK$968K · min. income ≈ HK$10,352/mo (50% DSR)
Upfront cash ≈ HK$108K (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).