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$1,602
−HK$100/mo
▼ 0.25% · 3.875%
HK$1,651
−HK$51/mo
Today · 4.125%
HK$1,702
baseline
▲ 0.50% · 4.625%
HK$1,806
+HK$104/mo
Deposit HK$351K · loan HK$351K · min. income ≈ HK$3,404/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,782
−HK$96/mo
▼ 0.25% · 3.875%
HK$1,830
−HK$48/mo
Today · 4.125%
HK$1,878
baseline
▲ 0.50% · 4.625%
HK$1,977
+HK$99/mo
Deposit HK$351K · loan HK$351K · min. income ≈ HK$3,756/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,922
−HK$120/mo
▼ 0.25% · 3.875%
HK$1,982
−HK$60/mo
Today · 4.125%
HK$2,042
baseline
▲ 0.50% · 4.625%
HK$2,167
+HK$125/mo
Deposit HK$281K · loan HK$421K · min. income ≈ HK$4,084/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,138
−HK$116/mo
▼ 0.25% · 3.875%
HK$2,196
−HK$58/mo
Today · 4.125%
HK$2,254
baseline
▲ 0.50% · 4.625%
HK$2,372
+HK$118/mo
Deposit HK$281K · loan HK$421K · min. income ≈ HK$4,508/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,242
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,312
−HK$71/mo
Today · 4.125%
HK$2,383
baseline
▲ 0.50% · 4.625%
HK$2,528
+HK$145/mo
Deposit HK$211K · loan HK$492K · min. income ≈ HK$4,766/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,495
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,561
−HK$68/mo
Today · 4.125%
HK$2,629
baseline
▲ 0.50% · 4.625%
HK$2,768
+HK$139/mo
Deposit HK$211K · loan HK$492K · min. income ≈ HK$5,258/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,883
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,973
−HK$91/mo
Today · 4.125%
HK$3,064
baseline
▲ 0.50% · 4.625%
HK$3,250
+HK$186/mo
Deposit HK$70K · loan HK$632K · min. income ≈ HK$6,128/mo (50% DSR)
Upfront cash ≈ HK$70K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,207
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,293
−HK$88/mo
Today · 4.125%
HK$3,381
baseline
▲ 0.50% · 4.625%
HK$3,559
+HK$178/mo
Deposit HK$70K · loan HK$632K · min. income ≈ HK$6,762/mo (50% DSR)
Upfront cash ≈ HK$70K (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).