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$2,418
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,493
−HK$77/mo
Today · 4.125%
HK$2,570
baseline
▲ 0.50% · 4.625%
HK$2,726
+HK$156/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,140/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,690
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,762
−HK$73/mo
Today · 4.125%
HK$2,835
baseline
▲ 0.50% · 4.625%
HK$2,985
+HK$150/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,670/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,902
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,992
−HK$91/mo
Today · 4.125%
HK$3,083
baseline
▲ 0.50% · 4.625%
HK$3,271
+HK$188/mo
Deposit HK$424K · loan HK$636K · min. income ≈ HK$6,166/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,228
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,314
−HK$88/mo
Today · 4.125%
HK$3,402
baseline
▲ 0.50% · 4.625%
HK$3,582
+HK$180/mo
Deposit HK$424K · loan HK$636K · min. income ≈ HK$6,804/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,385
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,490
−HK$107/mo
Today · 4.125%
HK$3,597
baseline
▲ 0.50% · 4.625%
HK$3,816
+HK$219/mo
Deposit HK$318K · loan HK$742K · min. income ≈ HK$7,194/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,766
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,867
−HK$102/mo
Today · 4.125%
HK$3,969
baseline
▲ 0.50% · 4.625%
HK$4,179
+HK$210/mo
Deposit HK$318K · loan HK$742K · min. income ≈ HK$7,938/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,352
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,488
−HK$137/mo
Today · 4.125%
HK$4,625
baseline
▲ 0.50% · 4.625%
HK$4,907
+HK$282/mo
Deposit HK$106K · loan HK$954K · min. income ≈ HK$9,250/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,842
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,972
−HK$131/mo
Today · 4.125%
HK$5,103
baseline
▲ 0.50% · 4.625%
HK$5,372
+HK$269/mo
Deposit HK$106K · loan HK$954K · min. income ≈ HK$10,206/mo (50% DSR)
Upfront cash ≈ HK$106K (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).