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$2,287
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,358
−HK$72/mo
Today · 4.125%
HK$2,430
baseline
▲ 0.50% · 4.625%
HK$2,578
+HK$148/mo
Deposit HK$501K · loan HK$501K · min. income ≈ HK$4,860/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,544
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,612
−HK$70/mo
Today · 4.125%
HK$2,682
baseline
▲ 0.50% · 4.625%
HK$2,823
+HK$141/mo
Deposit HK$501K · loan HK$501K · min. income ≈ HK$5,364/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,744
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,830
−HK$86/mo
Today · 4.125%
HK$2,916
baseline
▲ 0.50% · 4.625%
HK$3,094
+HK$178/mo
Deposit HK$401K · loan HK$602K · min. income ≈ HK$5,832/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,053
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,135
−HK$83/mo
Today · 4.125%
HK$3,218
baseline
▲ 0.50% · 4.625%
HK$3,387
+HK$169/mo
Deposit HK$401K · loan HK$602K · min. income ≈ HK$6,436/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,202
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,301
−HK$101/mo
Today · 4.125%
HK$3,402
baseline
▲ 0.50% · 4.625%
HK$3,609
+HK$207/mo
Deposit HK$301K · loan HK$702K · min. income ≈ HK$6,804/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,562
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,657
−HK$97/mo
Today · 4.125%
HK$3,754
baseline
▲ 0.50% · 4.625%
HK$3,952
+HK$198/mo
Deposit HK$301K · loan HK$702K · min. income ≈ HK$7,508/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,116
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,244
−HK$130/mo
Today · 4.125%
HK$4,374
baseline
▲ 0.50% · 4.625%
HK$4,641
+HK$267/mo
Deposit HK$100K · loan HK$903K · min. income ≈ HK$8,748/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,579
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,702
−HK$125/mo
Today · 4.125%
HK$4,827
baseline
▲ 0.50% · 4.625%
HK$5,081
+HK$254/mo
Deposit HK$100K · loan HK$903K · min. income ≈ HK$9,654/mo (50% DSR)
Upfront cash ≈ HK$100K (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).