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$1,949
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,009
−HK$62/mo
Today · 4.125%
HK$2,071
baseline
▲ 0.50% · 4.625%
HK$2,197
+HK$126/mo
Deposit HK$427K · loan HK$427K · min. income ≈ HK$4,142/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,168
−HK$117/mo
▼ 0.25% · 3.875%
HK$2,226
−HK$59/mo
Today · 4.125%
HK$2,285
baseline
▲ 0.50% · 4.625%
HK$2,406
+HK$121/mo
Deposit HK$427K · loan HK$427K · min. income ≈ HK$4,570/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,339
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,411
−HK$74/mo
Today · 4.125%
HK$2,485
baseline
▲ 0.50% · 4.625%
HK$2,636
+HK$151/mo
Deposit HK$342K · loan HK$513K · min. income ≈ HK$4,970/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,602
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,671
−HK$71/mo
Today · 4.125%
HK$2,742
baseline
▲ 0.50% · 4.625%
HK$2,887
+HK$145/mo
Deposit HK$342K · loan HK$513K · min. income ≈ HK$5,484/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,728
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,813
−HK$86/mo
Today · 4.125%
HK$2,899
baseline
▲ 0.50% · 4.625%
HK$3,076
+HK$177/mo
Deposit HK$256K · loan HK$598K · min. income ≈ HK$5,798/mo (50% DSR)
Upfront cash ≈ HK$256K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,035
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,117
−HK$82/mo
Today · 4.125%
HK$3,199
baseline
▲ 0.50% · 4.625%
HK$3,368
+HK$169/mo
Deposit HK$256K · loan HK$598K · min. income ≈ HK$6,398/mo (50% DSR)
Upfront cash ≈ HK$256K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,508
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,617
−HK$111/mo
Today · 4.125%
HK$3,728
baseline
▲ 0.50% · 4.625%
HK$3,955
+HK$227/mo
Deposit HK$85K · loan HK$769K · min. income ≈ HK$7,456/mo (50% DSR)
Upfront cash ≈ HK$86K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,902
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,007
−HK$106/mo
Today · 4.125%
HK$4,113
baseline
▲ 0.50% · 4.625%
HK$4,330
+HK$217/mo
Deposit HK$85K · loan HK$769K · min. income ≈ HK$8,226/mo (50% DSR)
Upfront cash ≈ HK$86K (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).