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$1,635
−HK$103/mo
▼ 0.25% · 3.875%
HK$1,686
−HK$52/mo
Today · 4.125%
HK$1,738
baseline
▲ 0.50% · 4.625%
HK$1,844
+HK$106/mo
Deposit HK$359K · loan HK$359K · min. income ≈ HK$3,476/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,819
−HK$99/mo
▼ 0.25% · 3.875%
HK$1,868
−HK$50/mo
Today · 4.125%
HK$1,918
baseline
▲ 0.50% · 4.625%
HK$2,019
+HK$101/mo
Deposit HK$359K · loan HK$359K · min. income ≈ HK$3,836/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,962
−HK$123/mo
▼ 0.25% · 3.875%
HK$2,023
−HK$62/mo
Today · 4.125%
HK$2,085
baseline
▲ 0.50% · 4.625%
HK$2,212
+HK$127/mo
Deposit HK$287K · loan HK$430K · min. income ≈ HK$4,170/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,183
−HK$118/mo
▼ 0.25% · 3.875%
HK$2,242
−HK$59/mo
Today · 4.125%
HK$2,301
baseline
▲ 0.50% · 4.625%
HK$2,422
+HK$121/mo
Deposit HK$287K · loan HK$430K · min. income ≈ HK$4,602/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,289
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,361
−HK$72/mo
Today · 4.125%
HK$2,433
baseline
▲ 0.50% · 4.625%
HK$2,581
+HK$148/mo
Deposit HK$215K · loan HK$502K · min. income ≈ HK$4,866/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,547
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,615
−HK$70/mo
Today · 4.125%
HK$2,685
baseline
▲ 0.50% · 4.625%
HK$2,826
+HK$141/mo
Deposit HK$215K · loan HK$502K · min. income ≈ HK$5,370/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,943
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,035
−HK$93/mo
Today · 4.125%
HK$3,128
baseline
▲ 0.50% · 4.625%
HK$3,318
+HK$190/mo
Deposit HK$72K · loan HK$645K · min. income ≈ HK$6,256/mo (50% DSR)
Upfront cash ≈ HK$72K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,275
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,362
−HK$90/mo
Today · 4.125%
HK$3,452
baseline
▲ 0.50% · 4.625%
HK$3,633
+HK$181/mo
Deposit HK$72K · loan HK$645K · min. income ≈ HK$6,904/mo (50% DSR)
Upfront cash ≈ HK$72K (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).