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$1,712
−HK$107/mo
▼ 0.25% · 3.875%
HK$1,765
−HK$54/mo
Today · 4.125%
HK$1,819
baseline
▲ 0.50% · 4.625%
HK$1,930
+HK$111/mo
Deposit HK$375K · loan HK$375K · min. income ≈ HK$3,638/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$1,904
−HK$103/mo
▼ 0.25% · 3.875%
HK$1,955
−HK$52/mo
Today · 4.125%
HK$2,007
baseline
▲ 0.50% · 4.625%
HK$2,113
+HK$106/mo
Deposit HK$375K · loan HK$375K · min. income ≈ HK$4,014/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$2,054
−HK$129/mo
▼ 0.25% · 3.875%
HK$2,118
−HK$65/mo
Today · 4.125%
HK$2,183
baseline
▲ 0.50% · 4.625%
HK$2,315
+HK$132/mo
Deposit HK$300K · loan HK$450K · min. income ≈ HK$4,366/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,285
−HK$123/mo
▼ 0.25% · 3.875%
HK$2,346
−HK$62/mo
Today · 4.125%
HK$2,408
baseline
▲ 0.50% · 4.625%
HK$2,535
+HK$127/mo
Deposit HK$300K · loan HK$450K · min. income ≈ HK$4,816/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,396
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,471
−HK$75/mo
Today · 4.125%
HK$2,546
baseline
▲ 0.50% · 4.625%
HK$2,701
+HK$155/mo
Deposit HK$225K · loan HK$525K · min. income ≈ HK$5,092/mo (50% DSR)
Upfront cash ≈ HK$225K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,666
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,737
−HK$73/mo
Today · 4.125%
HK$2,810
baseline
▲ 0.50% · 4.625%
HK$2,958
+HK$148/mo
Deposit HK$225K · loan HK$525K · min. income ≈ HK$5,620/mo (50% DSR)
Upfront cash ≈ HK$225K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,081
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,177
−HK$97/mo
Today · 4.125%
HK$3,274
baseline
▲ 0.50% · 4.625%
HK$3,473
+HK$199/mo
Deposit HK$75K · loan HK$676K · min. income ≈ HK$6,548/mo (50% DSR)
Upfront cash ≈ HK$75K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,427
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,519
−HK$94/mo
Today · 4.125%
HK$3,613
baseline
▲ 0.50% · 4.625%
HK$3,803
+HK$190/mo
Deposit HK$75K · loan HK$676K · min. income ≈ HK$7,226/mo (50% DSR)
Upfront cash ≈ HK$75K (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).