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$2,063
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,127
−HK$65/mo
Today · 4.125%
HK$2,192
baseline
▲ 0.50% · 4.625%
HK$2,326
+HK$134/mo
Deposit HK$452K · loan HK$452K · min. income ≈ HK$4,384/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,295
−HK$124/mo
▼ 0.25% · 3.875%
HK$2,356
−HK$63/mo
Today · 4.125%
HK$2,419
baseline
▲ 0.50% · 4.625%
HK$2,546
+HK$127/mo
Deposit HK$452K · loan HK$452K · min. income ≈ HK$4,838/mo (50% DSR)
Upfront cash ≈ HK$452K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,475
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,552
−HK$79/mo
Today · 4.125%
HK$2,631
baseline
▲ 0.50% · 4.625%
HK$2,791
+HK$160/mo
Deposit HK$362K · loan HK$543K · min. income ≈ HK$5,262/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,754
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,828
−HK$75/mo
Today · 4.125%
HK$2,903
baseline
▲ 0.50% · 4.625%
HK$3,056
+HK$153/mo
Deposit HK$362K · loan HK$543K · min. income ≈ HK$5,806/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,888
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,978
−HK$91/mo
Today · 4.125%
HK$3,069
baseline
▲ 0.50% · 4.625%
HK$3,256
+HK$187/mo
Deposit HK$271K · loan HK$633K · min. income ≈ HK$6,138/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,213
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,299
−HK$87/mo
Today · 4.125%
HK$3,386
baseline
▲ 0.50% · 4.625%
HK$3,565
+HK$179/mo
Deposit HK$271K · loan HK$633K · min. income ≈ HK$6,772/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,713
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,829
−HK$117/mo
Today · 4.125%
HK$3,946
baseline
▲ 0.50% · 4.625%
HK$4,186
+HK$240/mo
Deposit HK$90K · loan HK$814K · min. income ≈ HK$7,892/mo (50% DSR)
Upfront cash ≈ HK$91K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,131
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,241
−HK$113/mo
Today · 4.125%
HK$4,354
baseline
▲ 0.50% · 4.625%
HK$4,583
+HK$229/mo
Deposit HK$90K · loan HK$814K · min. income ≈ HK$8,708/mo (50% DSR)
Upfront cash ≈ HK$91K (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).