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$2,140
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,206
−HK$68/mo
Today · 4.125%
HK$2,274
baseline
▲ 0.50% · 4.625%
HK$2,412
+HK$138/mo
Deposit HK$469K · loan HK$469K · min. income ≈ HK$4,548/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,380
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,444
−HK$65/mo
Today · 4.125%
HK$2,509
baseline
▲ 0.50% · 4.625%
HK$2,641
+HK$132/mo
Deposit HK$469K · loan HK$469K · min. income ≈ HK$5,018/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,567
−HK$161/mo
▼ 0.25% · 3.875%
HK$2,647
−HK$81/mo
Today · 4.125%
HK$2,728
baseline
▲ 0.50% · 4.625%
HK$2,894
+HK$166/mo
Deposit HK$375K · loan HK$563K · min. income ≈ HK$5,456/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,856
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,933
−HK$78/mo
Today · 4.125%
HK$3,011
baseline
▲ 0.50% · 4.625%
HK$3,169
+HK$158/mo
Deposit HK$375K · loan HK$563K · min. income ≈ HK$6,022/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,995
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,089
−HK$94/mo
Today · 4.125%
HK$3,183
baseline
▲ 0.50% · 4.625%
HK$3,377
+HK$194/mo
Deposit HK$281K · loan HK$657K · min. income ≈ HK$6,366/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,332
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,422
−HK$90/mo
Today · 4.125%
HK$3,512
baseline
▲ 0.50% · 4.625%
HK$3,697
+HK$185/mo
Deposit HK$281K · loan HK$657K · min. income ≈ HK$7,024/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,851
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,971
−HK$122/mo
Today · 4.125%
HK$4,093
baseline
▲ 0.50% · 4.625%
HK$4,342
+HK$249/mo
Deposit HK$94K · loan HK$844K · min. income ≈ HK$8,186/mo (50% DSR)
Upfront cash ≈ HK$94K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,284
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,399
−HK$117/mo
Today · 4.125%
HK$4,516
baseline
▲ 0.50% · 4.625%
HK$4,754
+HK$238/mo
Deposit HK$94K · loan HK$844K · min. income ≈ HK$9,032/mo (50% DSR)
Upfront cash ≈ HK$94K (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).