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$2,512
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,590
−HK$80/mo
Today · 4.125%
HK$2,670
baseline
▲ 0.50% · 4.625%
HK$2,832
+HK$162/mo
Deposit HK$551K · loan HK$551K · min. income ≈ HK$5,340/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,795
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,870
−HK$76/mo
Today · 4.125%
HK$2,946
baseline
▲ 0.50% · 4.625%
HK$3,101
+HK$155/mo
Deposit HK$551K · loan HK$551K · min. income ≈ HK$5,892/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,015
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,109
−HK$95/mo
Today · 4.125%
HK$3,204
baseline
▲ 0.50% · 4.625%
HK$3,399
+HK$195/mo
Deposit HK$441K · loan HK$661K · min. income ≈ HK$6,408/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,354
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,444
−HK$91/mo
Today · 4.125%
HK$3,535
baseline
▲ 0.50% · 4.625%
HK$3,721
+HK$186/mo
Deposit HK$441K · loan HK$661K · min. income ≈ HK$7,070/mo (50% DSR)
Upfront cash ≈ HK$441K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,517
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,627
−HK$111/mo
Today · 4.125%
HK$3,738
baseline
▲ 0.50% · 4.625%
HK$3,965
+HK$227/mo
Deposit HK$331K · loan HK$771K · min. income ≈ HK$7,476/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,913
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,018
−HK$106/mo
Today · 4.125%
HK$4,124
baseline
▲ 0.50% · 4.625%
HK$4,342
+HK$218/mo
Deposit HK$331K · loan HK$771K · min. income ≈ HK$8,248/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,522
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,663
−HK$143/mo
Today · 4.125%
HK$4,806
baseline
▲ 0.50% · 4.625%
HK$5,098
+HK$292/mo
Deposit HK$110K · loan HK$992K · min. income ≈ HK$9,612/mo (50% DSR)
Upfront cash ≈ HK$110K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,031
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,166
−HK$137/mo
Today · 4.125%
HK$5,303
baseline
▲ 0.50% · 4.625%
HK$5,582
+HK$279/mo
Deposit HK$110K · loan HK$992K · min. income ≈ HK$10,606/mo (50% DSR)
Upfront cash ≈ HK$110K (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).