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$2,303
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,375
−HK$73/mo
Today · 4.125%
HK$2,448
baseline
▲ 0.50% · 4.625%
HK$2,597
+HK$149/mo
Deposit HK$505K · loan HK$505K · min. income ≈ HK$4,896/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,562
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,631
−HK$70/mo
Today · 4.125%
HK$2,701
baseline
▲ 0.50% · 4.625%
HK$2,843
+HK$142/mo
Deposit HK$505K · loan HK$505K · min. income ≈ HK$5,402/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,764
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,850
−HK$87/mo
Today · 4.125%
HK$2,937
baseline
▲ 0.50% · 4.625%
HK$3,116
+HK$179/mo
Deposit HK$404K · loan HK$606K · min. income ≈ HK$5,874/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,075
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,157
−HK$84/mo
Today · 4.125%
HK$3,241
baseline
▲ 0.50% · 4.625%
HK$3,412
+HK$171/mo
Deposit HK$404K · loan HK$606K · min. income ≈ HK$6,482/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,225
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,325
−HK$102/mo
Today · 4.125%
HK$3,427
baseline
▲ 0.50% · 4.625%
HK$3,635
+HK$208/mo
Deposit HK$303K · loan HK$707K · min. income ≈ HK$6,854/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,587
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,684
−HK$97/mo
Today · 4.125%
HK$3,781
baseline
▲ 0.50% · 4.625%
HK$3,980
+HK$199/mo
Deposit HK$303K · loan HK$707K · min. income ≈ HK$7,562/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,146
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,275
−HK$131/mo
Today · 4.125%
HK$4,406
baseline
▲ 0.50% · 4.625%
HK$4,674
+HK$268/mo
Deposit HK$101K · loan HK$909K · min. income ≈ HK$8,812/mo (50% DSR)
Upfront cash ≈ HK$101K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,612
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,736
−HK$125/mo
Today · 4.125%
HK$4,861
baseline
▲ 0.50% · 4.625%
HK$5,118
+HK$257/mo
Deposit HK$101K · loan HK$909K · min. income ≈ HK$9,722/mo (50% DSR)
Upfront cash ≈ HK$101K (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).