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$2,125
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,191
−HK$67/mo
Today · 4.125%
HK$2,258
baseline
▲ 0.50% · 4.625%
HK$2,396
+HK$138/mo
Deposit HK$466K · loan HK$466K · min. income ≈ HK$4,516/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,364
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,427
−HK$65/mo
Today · 4.125%
HK$2,492
baseline
▲ 0.50% · 4.625%
HK$2,623
+HK$131/mo
Deposit HK$466K · loan HK$466K · min. income ≈ HK$4,984/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,550
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,629
−HK$81/mo
Today · 4.125%
HK$2,710
baseline
▲ 0.50% · 4.625%
HK$2,875
+HK$165/mo
Deposit HK$373K · loan HK$559K · min. income ≈ HK$5,420/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,837
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,913
−HK$77/mo
Today · 4.125%
HK$2,990
baseline
▲ 0.50% · 4.625%
HK$3,148
+HK$158/mo
Deposit HK$373K · loan HK$559K · min. income ≈ HK$5,980/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,975
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,068
−HK$94/mo
Today · 4.125%
HK$3,162
baseline
▲ 0.50% · 4.625%
HK$3,354
+HK$192/mo
Deposit HK$280K · loan HK$652K · min. income ≈ HK$6,324/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,310
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,398
−HK$91/mo
Today · 4.125%
HK$3,489
baseline
▲ 0.50% · 4.625%
HK$3,672
+HK$183/mo
Deposit HK$280K · loan HK$652K · min. income ≈ HK$6,978/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,825
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,944
−HK$121/mo
Today · 4.125%
HK$4,065
baseline
▲ 0.50% · 4.625%
HK$4,312
+HK$247/mo
Deposit HK$93K · loan HK$839K · min. income ≈ HK$8,130/mo (50% DSR)
Upfront cash ≈ HK$93K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,255
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,369
−HK$116/mo
Today · 4.125%
HK$4,485
baseline
▲ 0.50% · 4.625%
HK$4,722
+HK$237/mo
Deposit HK$93K · loan HK$839K · min. income ≈ HK$8,970/mo (50% DSR)
Upfront cash ≈ HK$93K (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).