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$2,402
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,477
−HK$76/mo
Today · 4.125%
HK$2,553
baseline
▲ 0.50% · 4.625%
HK$2,708
+HK$155/mo
Deposit HK$527K · loan HK$527K · min. income ≈ HK$5,106/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,672
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,744
−HK$73/mo
Today · 4.125%
HK$2,817
baseline
▲ 0.50% · 4.625%
HK$2,965
+HK$148/mo
Deposit HK$527K · loan HK$527K · min. income ≈ HK$5,634/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,883
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,972
−HK$91/mo
Today · 4.125%
HK$3,063
baseline
▲ 0.50% · 4.625%
HK$3,250
+HK$187/mo
Deposit HK$421K · loan HK$632K · min. income ≈ HK$6,126/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,207
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,293
−HK$87/mo
Today · 4.125%
HK$3,380
baseline
▲ 0.50% · 4.625%
HK$3,558
+HK$178/mo
Deposit HK$421K · loan HK$632K · min. income ≈ HK$6,760/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,363
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,468
−HK$106/mo
Today · 4.125%
HK$3,574
baseline
▲ 0.50% · 4.625%
HK$3,791
+HK$217/mo
Deposit HK$316K · loan HK$737K · min. income ≈ HK$7,148/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,741
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,842
−HK$101/mo
Today · 4.125%
HK$3,943
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$208/mo
Deposit HK$316K · loan HK$737K · min. income ≈ HK$7,886/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,324
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,458
−HK$137/mo
Today · 4.125%
HK$4,595
baseline
▲ 0.50% · 4.625%
HK$4,875
+HK$280/mo
Deposit HK$105K · loan HK$948K · min. income ≈ HK$9,190/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,810
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,939
−HK$131/mo
Today · 4.125%
HK$5,070
baseline
▲ 0.50% · 4.625%
HK$5,337
+HK$267/mo
Deposit HK$105K · loan HK$948K · min. income ≈ HK$10,140/mo (50% DSR)
Upfront cash ≈ HK$105K (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).