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$2,515
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,593
−HK$79/mo
Today · 4.125%
HK$2,672
baseline
▲ 0.50% · 4.625%
HK$2,835
+HK$163/mo
Deposit HK$551K · loan HK$551K · min. income ≈ HK$5,344/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,797
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,872
−HK$77/mo
Today · 4.125%
HK$2,949
baseline
▲ 0.50% · 4.625%
HK$3,104
+HK$155/mo
Deposit HK$551K · loan HK$551K · min. income ≈ HK$5,898/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,017
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,111
−HK$96/mo
Today · 4.125%
HK$3,207
baseline
▲ 0.50% · 4.625%
HK$3,402
+HK$195/mo
Deposit HK$441K · loan HK$662K · min. income ≈ HK$6,414/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,357
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,447
−HK$91/mo
Today · 4.125%
HK$3,538
baseline
▲ 0.50% · 4.625%
HK$3,725
+HK$187/mo
Deposit HK$441K · loan HK$662K · min. income ≈ HK$7,076/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,520
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,630
−HK$111/mo
Today · 4.125%
HK$3,741
baseline
▲ 0.50% · 4.625%
HK$3,969
+HK$228/mo
Deposit HK$331K · loan HK$772K · min. income ≈ HK$7,482/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,916
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$107/mo
Today · 4.125%
HK$4,128
baseline
▲ 0.50% · 4.625%
HK$4,346
+HK$218/mo
Deposit HK$331K · loan HK$772K · min. income ≈ HK$8,256/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,526
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,667
−HK$143/mo
Today · 4.125%
HK$4,810
baseline
▲ 0.50% · 4.625%
HK$5,103
+HK$293/mo
Deposit HK$110K · loan HK$992K · min. income ≈ HK$9,620/mo (50% DSR)
Upfront cash ≈ HK$110K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,170
−HK$137/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,587
+HK$280/mo
Deposit HK$110K · loan HK$992K · min. income ≈ HK$10,614/mo (50% DSR)
Upfront cash ≈ HK$110K (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).