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$2,156
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,223
−HK$68/mo
Today · 4.125%
HK$2,291
baseline
▲ 0.50% · 4.625%
HK$2,430
+HK$139/mo
Deposit HK$473K · loan HK$473K · min. income ≈ HK$4,582/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,398
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,463
−HK$65/mo
Today · 4.125%
HK$2,528
baseline
▲ 0.50% · 4.625%
HK$2,661
+HK$133/mo
Deposit HK$473K · loan HK$473K · min. income ≈ HK$5,056/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,587
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,667
−HK$82/mo
Today · 4.125%
HK$2,749
baseline
▲ 0.50% · 4.625%
HK$2,916
+HK$167/mo
Deposit HK$378K · loan HK$567K · min. income ≈ HK$5,498/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,878
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,955
−HK$78/mo
Today · 4.125%
HK$3,033
baseline
▲ 0.50% · 4.625%
HK$3,193
+HK$160/mo
Deposit HK$378K · loan HK$567K · min. income ≈ HK$6,066/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,018
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,112
−HK$95/mo
Today · 4.125%
HK$3,207
baseline
▲ 0.50% · 4.625%
HK$3,403
+HK$196/mo
Deposit HK$284K · loan HK$662K · min. income ≈ HK$6,414/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,358
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,448
−HK$91/mo
Today · 4.125%
HK$3,539
baseline
▲ 0.50% · 4.625%
HK$3,726
+HK$187/mo
Deposit HK$284K · loan HK$662K · min. income ≈ HK$7,078/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,880
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,001
−HK$123/mo
Today · 4.125%
HK$4,124
baseline
▲ 0.50% · 4.625%
HK$4,375
+HK$251/mo
Deposit HK$95K · loan HK$851K · min. income ≈ HK$8,248/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,317
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,433
−HK$117/mo
Today · 4.125%
HK$4,550
baseline
▲ 0.50% · 4.625%
HK$4,790
+HK$240/mo
Deposit HK$95K · loan HK$851K · min. income ≈ HK$9,100/mo (50% DSR)
Upfront cash ≈ HK$95K (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).