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$2,180
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,248
−HK$69/mo
Today · 4.125%
HK$2,317
baseline
▲ 0.50% · 4.625%
HK$2,458
+HK$141/mo
Deposit HK$478K · loan HK$478K · min. income ≈ HK$4,634/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,426
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,491
−HK$66/mo
Today · 4.125%
HK$2,557
baseline
▲ 0.50% · 4.625%
HK$2,692
+HK$135/mo
Deposit HK$478K · loan HK$478K · min. income ≈ HK$5,114/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,617
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,698
−HK$83/mo
Today · 4.125%
HK$2,781
baseline
▲ 0.50% · 4.625%
HK$2,950
+HK$169/mo
Deposit HK$382K · loan HK$574K · min. income ≈ HK$5,562/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,911
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,989
−HK$79/mo
Today · 4.125%
HK$3,068
baseline
▲ 0.50% · 4.625%
HK$3,230
+HK$162/mo
Deposit HK$382K · loan HK$574K · min. income ≈ HK$6,136/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,053
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,148
−HK$96/mo
Today · 4.125%
HK$3,244
baseline
▲ 0.50% · 4.625%
HK$3,442
+HK$198/mo
Deposit HK$287K · loan HK$669K · min. income ≈ HK$6,488/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,396
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,487
−HK$93/mo
Today · 4.125%
HK$3,580
baseline
▲ 0.50% · 4.625%
HK$3,768
+HK$188/mo
Deposit HK$287K · loan HK$669K · min. income ≈ HK$7,160/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,925
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,047
−HK$124/mo
Today · 4.125%
HK$4,171
baseline
▲ 0.50% · 4.625%
HK$4,425
+HK$254/mo
Deposit HK$96K · loan HK$861K · min. income ≈ HK$8,342/mo (50% DSR)
Upfront cash ≈ HK$96K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,366
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,484
−HK$118/mo
Today · 4.125%
HK$4,602
baseline
▲ 0.50% · 4.625%
HK$4,845
+HK$243/mo
Deposit HK$96K · loan HK$861K · min. income ≈ HK$9,204/mo (50% DSR)
Upfront cash ≈ HK$96K (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).