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$1,620
−HK$101/mo
▼ 0.25% · 3.875%
HK$1,670
−HK$51/mo
Today · 4.125%
HK$1,721
baseline
▲ 0.50% · 4.625%
HK$1,826
+HK$105/mo
Deposit HK$355K · loan HK$355K · min. income ≈ HK$3,442/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,802
−HK$97/mo
▼ 0.25% · 3.875%
HK$1,850
−HK$49/mo
Today · 4.125%
HK$1,899
baseline
▲ 0.50% · 4.625%
HK$1,999
+HK$100/mo
Deposit HK$355K · loan HK$355K · min. income ≈ HK$3,798/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,943
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,004
−HK$61/mo
Today · 4.125%
HK$2,065
baseline
▲ 0.50% · 4.625%
HK$2,191
+HK$126/mo
Deposit HK$284K · loan HK$426K · min. income ≈ HK$4,130/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,162
−HK$117/mo
▼ 0.25% · 3.875%
HK$2,220
−HK$59/mo
Today · 4.125%
HK$2,279
baseline
▲ 0.50% · 4.625%
HK$2,399
+HK$120/mo
Deposit HK$284K · loan HK$426K · min. income ≈ HK$4,558/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,267
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,338
−HK$72/mo
Today · 4.125%
HK$2,410
baseline
▲ 0.50% · 4.625%
HK$2,556
+HK$146/mo
Deposit HK$213K · loan HK$497K · min. income ≈ HK$4,820/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,522
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,590
−HK$69/mo
Today · 4.125%
HK$2,659
baseline
▲ 0.50% · 4.625%
HK$2,799
+HK$140/mo
Deposit HK$213K · loan HK$497K · min. income ≈ HK$5,318/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,915
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,006
−HK$92/mo
Today · 4.125%
HK$3,098
baseline
▲ 0.50% · 4.625%
HK$3,287
+HK$189/mo
Deposit HK$71K · loan HK$639K · min. income ≈ HK$6,196/mo (50% DSR)
Upfront cash ≈ HK$71K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,243
−HK$175/mo
▼ 0.25% · 3.875%
HK$3,330
−HK$88/mo
Today · 4.125%
HK$3,418
baseline
▲ 0.50% · 4.625%
HK$3,599
+HK$181/mo
Deposit HK$71K · loan HK$639K · min. income ≈ HK$6,836/mo (50% DSR)
Upfront cash ≈ HK$71K (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).