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$1,973
−HK$124/mo
▼ 0.25% · 3.875%
HK$2,035
−HK$62/mo
Today · 4.125%
HK$2,097
baseline
▲ 0.50% · 4.625%
HK$2,224
+HK$127/mo
Deposit HK$433K · loan HK$433K · min. income ≈ HK$4,194/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,195
−HK$119/mo
▼ 0.25% · 3.875%
HK$2,254
−HK$60/mo
Today · 4.125%
HK$2,314
baseline
▲ 0.50% · 4.625%
HK$2,436
+HK$122/mo
Deposit HK$433K · loan HK$433K · min. income ≈ HK$4,628/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,368
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,441
−HK$75/mo
Today · 4.125%
HK$2,516
baseline
▲ 0.50% · 4.625%
HK$2,669
+HK$153/mo
Deposit HK$346K · loan HK$519K · min. income ≈ HK$5,032/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,634
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,705
−HK$71/mo
Today · 4.125%
HK$2,776
baseline
▲ 0.50% · 4.625%
HK$2,923
+HK$147/mo
Deposit HK$346K · loan HK$519K · min. income ≈ HK$5,552/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,762
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,848
−HK$88/mo
Today · 4.125%
HK$2,936
baseline
▲ 0.50% · 4.625%
HK$3,114
+HK$178/mo
Deposit HK$260K · loan HK$606K · min. income ≈ HK$5,872/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,073
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,156
−HK$83/mo
Today · 4.125%
HK$3,239
baseline
▲ 0.50% · 4.625%
HK$3,410
+HK$171/mo
Deposit HK$260K · loan HK$606K · min. income ≈ HK$6,478/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,552
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,662
−HK$112/mo
Today · 4.125%
HK$3,774
baseline
▲ 0.50% · 4.625%
HK$4,004
+HK$230/mo
Deposit HK$87K · loan HK$779K · min. income ≈ HK$7,548/mo (50% DSR)
Upfront cash ≈ HK$87K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,951
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,057
−HK$108/mo
Today · 4.125%
HK$4,165
baseline
▲ 0.50% · 4.625%
HK$4,384
+HK$219/mo
Deposit HK$87K · loan HK$779K · min. income ≈ HK$8,330/mo (50% DSR)
Upfront cash ≈ HK$87K (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).