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$2,024
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,087
−HK$64/mo
Today · 4.125%
HK$2,151
baseline
▲ 0.50% · 4.625%
HK$2,282
+HK$131/mo
Deposit HK$444K · loan HK$444K · min. income ≈ HK$4,302/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,251
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,312
−HK$61/mo
Today · 4.125%
HK$2,373
baseline
▲ 0.50% · 4.625%
HK$2,498
+HK$125/mo
Deposit HK$444K · loan HK$444K · min. income ≈ HK$4,746/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,429
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,504
−HK$77/mo
Today · 4.125%
HK$2,581
baseline
▲ 0.50% · 4.625%
HK$2,738
+HK$157/mo
Deposit HK$355K · loan HK$533K · min. income ≈ HK$5,162/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,702
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,774
−HK$74/mo
Today · 4.125%
HK$2,848
baseline
▲ 0.50% · 4.625%
HK$2,998
+HK$150/mo
Deposit HK$355K · loan HK$533K · min. income ≈ HK$5,696/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,833
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,921
−HK$90/mo
Today · 4.125%
HK$3,011
baseline
▲ 0.50% · 4.625%
HK$3,194
+HK$183/mo
Deposit HK$266K · loan HK$621K · min. income ≈ HK$6,022/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,152
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,237
−HK$85/mo
Today · 4.125%
HK$3,322
baseline
▲ 0.50% · 4.625%
HK$3,497
+HK$175/mo
Deposit HK$266K · loan HK$621K · min. income ≈ HK$6,644/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,643
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,756
−HK$115/mo
Today · 4.125%
HK$3,871
baseline
▲ 0.50% · 4.625%
HK$4,107
+HK$236/mo
Deposit HK$89K · loan HK$799K · min. income ≈ HK$7,742/mo (50% DSR)
Upfront cash ≈ HK$89K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,053
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,161
−HK$111/mo
Today · 4.125%
HK$4,272
baseline
▲ 0.50% · 4.625%
HK$4,497
+HK$225/mo
Deposit HK$89K · loan HK$799K · min. income ≈ HK$8,544/mo (50% DSR)
Upfront cash ≈ HK$89K (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).