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$2,332
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,404
−HK$74/mo
Today · 4.125%
HK$2,478
baseline
▲ 0.50% · 4.625%
HK$2,629
+HK$151/mo
Deposit HK$511K · loan HK$511K · min. income ≈ HK$4,956/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,594
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,664
−HK$70/mo
Today · 4.125%
HK$2,734
baseline
▲ 0.50% · 4.625%
HK$2,878
+HK$144/mo
Deposit HK$511K · loan HK$511K · min. income ≈ HK$5,468/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,798
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,885
−HK$89/mo
Today · 4.125%
HK$2,974
baseline
▲ 0.50% · 4.625%
HK$3,154
+HK$180/mo
Deposit HK$409K · loan HK$614K · min. income ≈ HK$5,948/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,113
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,196
−HK$85/mo
Today · 4.125%
HK$3,281
baseline
▲ 0.50% · 4.625%
HK$3,454
+HK$173/mo
Deposit HK$409K · loan HK$614K · min. income ≈ HK$6,562/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,264
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,366
−HK$103/mo
Today · 4.125%
HK$3,469
baseline
▲ 0.50% · 4.625%
HK$3,680
+HK$211/mo
Deposit HK$307K · loan HK$716K · min. income ≈ HK$6,938/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,632
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,729
−HK$99/mo
Today · 4.125%
HK$3,828
baseline
▲ 0.50% · 4.625%
HK$4,030
+HK$202/mo
Deposit HK$307K · loan HK$716K · min. income ≈ HK$7,656/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,197
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,328
−HK$132/mo
Today · 4.125%
HK$4,460
baseline
▲ 0.50% · 4.625%
HK$4,732
+HK$272/mo
Deposit HK$102K · loan HK$920K · min. income ≈ HK$8,920/mo (50% DSR)
Upfront cash ≈ HK$102K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,669
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$127/mo
Today · 4.125%
HK$4,921
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$260/mo
Deposit HK$102K · loan HK$920K · min. income ≈ HK$9,842/mo (50% DSR)
Upfront cash ≈ HK$102K (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).