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$2,486
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,564
−HK$78/mo
Today · 4.125%
HK$2,642
baseline
▲ 0.50% · 4.625%
HK$2,803
+HK$161/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,284/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,766
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,840
−HK$75/mo
Today · 4.125%
HK$2,915
baseline
▲ 0.50% · 4.625%
HK$3,069
+HK$154/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,830/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,984
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,076
−HK$95/mo
Today · 4.125%
HK$3,171
baseline
▲ 0.50% · 4.625%
HK$3,364
+HK$193/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,342/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,319
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,408
−HK$90/mo
Today · 4.125%
HK$3,498
baseline
▲ 0.50% · 4.625%
HK$3,683
+HK$185/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,996/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,481
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,589
−HK$110/mo
Today · 4.125%
HK$3,699
baseline
▲ 0.50% · 4.625%
HK$3,924
+HK$225/mo
Deposit HK$327K · loan HK$763K · min. income ≈ HK$7,398/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,872
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,976
−HK$106/mo
Today · 4.125%
HK$4,082
baseline
▲ 0.50% · 4.625%
HK$4,297
+HK$215/mo
Deposit HK$327K · loan HK$763K · min. income ≈ HK$8,164/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,475
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$142/mo
Today · 4.125%
HK$4,756
baseline
▲ 0.50% · 4.625%
HK$5,045
+HK$289/mo
Deposit HK$109K · loan HK$981K · min. income ≈ HK$9,512/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,979
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$136/mo
Today · 4.125%
HK$5,248
baseline
▲ 0.50% · 4.625%
HK$5,524
+HK$276/mo
Deposit HK$109K · loan HK$981K · min. income ≈ HK$10,496/mo (50% DSR)
Upfront cash ≈ HK$109K (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).