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$2,094
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,159
−HK$66/mo
Today · 4.125%
HK$2,225
baseline
▲ 0.50% · 4.625%
HK$2,360
+HK$135/mo
Deposit HK$459K · loan HK$459K · min. income ≈ HK$4,450/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,329
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,392
−HK$63/mo
Today · 4.125%
HK$2,455
baseline
▲ 0.50% · 4.625%
HK$2,584
+HK$129/mo
Deposit HK$459K · loan HK$459K · min. income ≈ HK$4,910/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 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$367K · loan HK$551K · min. income ≈ HK$5,340/mo (50% DSR)
Upfront cash ≈ HK$367K (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$367K · loan HK$551K · min. income ≈ HK$5,892/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,931
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,022
−HK$93/mo
Today · 4.125%
HK$3,115
baseline
▲ 0.50% · 4.625%
HK$3,304
+HK$189/mo
Deposit HK$275K · loan HK$643K · min. income ≈ HK$6,230/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,261
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,348
−HK$89/mo
Today · 4.125%
HK$3,437
baseline
▲ 0.50% · 4.625%
HK$3,618
+HK$181/mo
Deposit HK$275K · loan HK$643K · min. income ≈ HK$6,874/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,768
−HK$237/mo
▼ 0.25% · 3.875%
HK$3,886
−HK$119/mo
Today · 4.125%
HK$4,005
baseline
▲ 0.50% · 4.625%
HK$4,248
+HK$243/mo
Deposit HK$92K · loan HK$826K · min. income ≈ HK$8,010/mo (50% DSR)
Upfront cash ≈ HK$92K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,192
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,305
−HK$114/mo
Today · 4.125%
HK$4,419
baseline
▲ 0.50% · 4.625%
HK$4,652
+HK$233/mo
Deposit HK$92K · loan HK$826K · min. income ≈ HK$8,838/mo (50% DSR)
Upfront cash ≈ HK$92K (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).