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$2,153
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,220
−HK$68/mo
Today · 4.125%
HK$2,288
baseline
▲ 0.50% · 4.625%
HK$2,427
+HK$139/mo
Deposit HK$472K · loan HK$472K · min. income ≈ HK$4,576/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,395
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,460
−HK$65/mo
Today · 4.125%
HK$2,525
baseline
▲ 0.50% · 4.625%
HK$2,658
+HK$133/mo
Deposit HK$472K · loan HK$472K · min. income ≈ HK$5,050/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,584
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,664
−HK$82/mo
Today · 4.125%
HK$2,746
baseline
▲ 0.50% · 4.625%
HK$2,913
+HK$167/mo
Deposit HK$378K · loan HK$567K · min. income ≈ HK$5,492/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,874
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,952
−HK$78/mo
Today · 4.125%
HK$3,030
baseline
▲ 0.50% · 4.625%
HK$3,189
+HK$159/mo
Deposit HK$378K · loan HK$567K · min. income ≈ HK$6,060/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,014
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,108
−HK$95/mo
Today · 4.125%
HK$3,203
baseline
▲ 0.50% · 4.625%
HK$3,398
+HK$195/mo
Deposit HK$283K · loan HK$661K · min. income ≈ HK$6,406/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,354
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,443
−HK$92/mo
Today · 4.125%
HK$3,535
baseline
▲ 0.50% · 4.625%
HK$3,721
+HK$186/mo
Deposit HK$283K · loan HK$661K · min. income ≈ HK$7,070/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,876
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,996
−HK$123/mo
Today · 4.125%
HK$4,119
baseline
▲ 0.50% · 4.625%
HK$4,369
+HK$250/mo
Deposit HK$94K · loan HK$850K · min. income ≈ HK$8,238/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$4,312
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,427
−HK$118/mo
Today · 4.125%
HK$4,545
baseline
▲ 0.50% · 4.625%
HK$4,784
+HK$239/mo
Deposit HK$94K · loan HK$850K · min. income ≈ HK$9,090/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).