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$2,162
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,229
−HK$68/mo
Today · 4.125%
HK$2,297
baseline
▲ 0.50% · 4.625%
HK$2,437
+HK$140/mo
Deposit HK$474K · loan HK$474K · min. income ≈ HK$4,594/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,405
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,470
−HK$65/mo
Today · 4.125%
HK$2,535
baseline
▲ 0.50% · 4.625%
HK$2,669
+HK$134/mo
Deposit HK$474K · loan HK$474K · min. income ≈ HK$5,070/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,594
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,675
−HK$82/mo
Today · 4.125%
HK$2,757
baseline
▲ 0.50% · 4.625%
HK$2,925
+HK$168/mo
Deposit HK$379K · loan HK$569K · min. income ≈ HK$5,514/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,886
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,963
−HK$79/mo
Today · 4.125%
HK$3,042
baseline
▲ 0.50% · 4.625%
HK$3,202
+HK$160/mo
Deposit HK$379K · loan HK$569K · min. income ≈ HK$6,084/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,027
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,121
−HK$95/mo
Today · 4.125%
HK$3,216
baseline
▲ 0.50% · 4.625%
HK$3,412
+HK$196/mo
Deposit HK$284K · loan HK$664K · min. income ≈ HK$6,432/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,367
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,457
−HK$92/mo
Today · 4.125%
HK$3,549
baseline
▲ 0.50% · 4.625%
HK$3,736
+HK$187/mo
Deposit HK$284K · loan HK$664K · min. income ≈ HK$7,098/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,891
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,012
−HK$123/mo
Today · 4.125%
HK$4,135
baseline
▲ 0.50% · 4.625%
HK$4,387
+HK$252/mo
Deposit HK$95K · loan HK$853K · min. income ≈ HK$8,270/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,329
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,445
−HK$118/mo
Today · 4.125%
HK$4,563
baseline
▲ 0.50% · 4.625%
HK$4,803
+HK$240/mo
Deposit HK$95K · loan HK$853K · min. income ≈ HK$9,126/mo (50% DSR)
Upfront cash ≈ HK$95K (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).