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$1,680
−HK$106/mo
▼ 0.25% · 3.875%
HK$1,733
−HK$53/mo
Today · 4.125%
HK$1,786
baseline
▲ 0.50% · 4.625%
HK$1,894
+HK$108/mo
Deposit HK$368K · loan HK$368K · min. income ≈ HK$3,572/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,869
−HK$101/mo
▼ 0.25% · 3.875%
HK$1,920
−HK$50/mo
Today · 4.125%
HK$1,970
baseline
▲ 0.50% · 4.625%
HK$2,074
+HK$104/mo
Deposit HK$368K · loan HK$368K · min. income ≈ HK$3,940/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,016
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,079
−HK$64/mo
Today · 4.125%
HK$2,143
baseline
▲ 0.50% · 4.625%
HK$2,273
+HK$130/mo
Deposit HK$295K · loan HK$442K · min. income ≈ HK$4,286/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,243
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,303
−HK$61/mo
Today · 4.125%
HK$2,364
baseline
▲ 0.50% · 4.625%
HK$2,489
+HK$125/mo
Deposit HK$295K · loan HK$442K · min. income ≈ HK$4,728/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,352
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,426
−HK$74/mo
Today · 4.125%
HK$2,500
baseline
▲ 0.50% · 4.625%
HK$2,652
+HK$152/mo
Deposit HK$221K · loan HK$516K · min. income ≈ HK$5,000/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,617
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,687
−HK$72/mo
Today · 4.125%
HK$2,759
baseline
▲ 0.50% · 4.625%
HK$2,904
+HK$145/mo
Deposit HK$221K · loan HK$516K · min. income ≈ HK$5,518/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,025
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,119
−HK$95/mo
Today · 4.125%
HK$3,214
baseline
▲ 0.50% · 4.625%
HK$3,410
+HK$196/mo
Deposit HK$74K · loan HK$663K · min. income ≈ HK$6,428/mo (50% DSR)
Upfront cash ≈ HK$74K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,365
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,455
−HK$92/mo
Today · 4.125%
HK$3,547
baseline
▲ 0.50% · 4.625%
HK$3,734
+HK$187/mo
Deposit HK$74K · loan HK$663K · min. income ≈ HK$7,094/mo (50% DSR)
Upfront cash ≈ HK$74K (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).