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$1,521
−HK$95/mo
▼ 0.25% · 3.875%
HK$1,568
−HK$48/mo
Today · 4.125%
HK$1,616
baseline
▲ 0.50% · 4.625%
HK$1,715
+HK$99/mo
Deposit HK$333K · loan HK$333K · min. income ≈ HK$3,232/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,692
−HK$91/mo
▼ 0.25% · 3.875%
HK$1,737
−HK$46/mo
Today · 4.125%
HK$1,783
baseline
▲ 0.50% · 4.625%
HK$1,877
+HK$94/mo
Deposit HK$333K · loan HK$333K · min. income ≈ HK$3,566/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,825
−HK$114/mo
▼ 0.25% · 3.875%
HK$1,882
−HK$57/mo
Today · 4.125%
HK$1,939
baseline
▲ 0.50% · 4.625%
HK$2,057
+HK$118/mo
Deposit HK$267K · loan HK$400K · min. income ≈ HK$3,878/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,030
−HK$110/mo
▼ 0.25% · 3.875%
HK$2,085
−HK$55/mo
Today · 4.125%
HK$2,140
baseline
▲ 0.50% · 4.625%
HK$2,253
+HK$113/mo
Deposit HK$267K · loan HK$400K · min. income ≈ HK$4,280/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,129
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,195
−HK$68/mo
Today · 4.125%
HK$2,263
baseline
▲ 0.50% · 4.625%
HK$2,400
+HK$137/mo
Deposit HK$200K · loan HK$467K · min. income ≈ HK$4,526/mo (50% DSR)
Upfront cash ≈ HK$200K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,369
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,432
−HK$65/mo
Today · 4.125%
HK$2,497
baseline
▲ 0.50% · 4.625%
HK$2,628
+HK$131/mo
Deposit HK$200K · loan HK$467K · min. income ≈ HK$4,994/mo (50% DSR)
Upfront cash ≈ HK$200K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,737
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,823
−HK$86/mo
Today · 4.125%
HK$2,909
baseline
▲ 0.50% · 4.625%
HK$3,086
+HK$177/mo
Deposit HK$67K · loan HK$600K · min. income ≈ HK$5,818/mo (50% DSR)
Upfront cash ≈ HK$67K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,045
−HK$165/mo
▼ 0.25% · 3.875%
HK$3,127
−HK$83/mo
Today · 4.125%
HK$3,210
baseline
▲ 0.50% · 4.625%
HK$3,379
+HK$169/mo
Deposit HK$67K · loan HK$600K · min. income ≈ HK$6,420/mo (50% DSR)
Upfront cash ≈ HK$67K (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).