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$2,408
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,483
−HK$76/mo
Today · 4.125%
HK$2,559
baseline
▲ 0.50% · 4.625%
HK$2,715
+HK$156/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,118/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,679
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,751
−HK$73/mo
Today · 4.125%
HK$2,824
baseline
▲ 0.50% · 4.625%
HK$2,973
+HK$149/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,648/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,890
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,980
−HK$91/mo
Today · 4.125%
HK$3,071
baseline
▲ 0.50% · 4.625%
HK$3,258
+HK$187/mo
Deposit HK$422K · loan HK$634K · min. income ≈ HK$6,142/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,215
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,301
−HK$88/mo
Today · 4.125%
HK$3,389
baseline
▲ 0.50% · 4.625%
HK$3,567
+HK$178/mo
Deposit HK$422K · loan HK$634K · min. income ≈ HK$6,778/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,371
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,476
−HK$107/mo
Today · 4.125%
HK$3,583
baseline
▲ 0.50% · 4.625%
HK$3,801
+HK$218/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,166/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,751
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,851
−HK$102/mo
Today · 4.125%
HK$3,953
baseline
▲ 0.50% · 4.625%
HK$4,162
+HK$209/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,906/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,469
−HK$137/mo
Today · 4.125%
HK$4,606
baseline
▲ 0.50% · 4.625%
HK$4,887
+HK$281/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$9,212/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,822
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,952
−HK$131/mo
Today · 4.125%
HK$5,083
baseline
▲ 0.50% · 4.625%
HK$5,351
+HK$268/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$10,166/mo (50% DSR)
Upfront cash ≈ HK$106K (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).