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$2,368
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,441
−HK$75/mo
Today · 4.125%
HK$2,516
baseline
▲ 0.50% · 4.625%
HK$2,669
+HK$153/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,032/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,634
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,705
−HK$71/mo
Today · 4.125%
HK$2,776
baseline
▲ 0.50% · 4.625%
HK$2,923
+HK$147/mo
Deposit HK$519K · loan HK$519K · min. income ≈ HK$5,552/mo (50% DSR)
Upfront cash ≈ HK$519K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,841
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,930
−HK$90/mo
Today · 4.125%
HK$3,020
baseline
▲ 0.50% · 4.625%
HK$3,203
+HK$183/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,040/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,161
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,246
−HK$86/mo
Today · 4.125%
HK$3,332
baseline
▲ 0.50% · 4.625%
HK$3,507
+HK$175/mo
Deposit HK$415K · loan HK$623K · min. income ≈ HK$6,664/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,315
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,418
−HK$105/mo
Today · 4.125%
HK$3,523
baseline
▲ 0.50% · 4.625%
HK$3,737
+HK$214/mo
Deposit HK$312K · loan HK$727K · min. income ≈ HK$7,046/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,688
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,787
−HK$100/mo
Today · 4.125%
HK$3,887
baseline
▲ 0.50% · 4.625%
HK$4,092
+HK$205/mo
Deposit HK$312K · loan HK$727K · min. income ≈ HK$7,774/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,262
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,395
−HK$134/mo
Today · 4.125%
HK$4,529
baseline
▲ 0.50% · 4.625%
HK$4,805
+HK$276/mo
Deposit HK$104K · loan HK$935K · min. income ≈ HK$9,058/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,741
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,869
−HK$129/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,261
+HK$263/mo
Deposit HK$104K · loan HK$935K · min. income ≈ HK$9,996/mo (50% DSR)
Upfront cash ≈ HK$104K (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).