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$2,038
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,101
−HK$65/mo
Today · 4.125%
HK$2,166
baseline
▲ 0.50% · 4.625%
HK$2,298
+HK$132/mo
Deposit HK$447K · loan HK$447K · min. income ≈ HK$4,332/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,267
−HK$123/mo
▼ 0.25% · 3.875%
HK$2,328
−HK$62/mo
Today · 4.125%
HK$2,390
baseline
▲ 0.50% · 4.625%
HK$2,516
+HK$126/mo
Deposit HK$447K · loan HK$447K · min. income ≈ HK$4,780/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,446
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,522
−HK$77/mo
Today · 4.125%
HK$2,599
baseline
▲ 0.50% · 4.625%
HK$2,757
+HK$158/mo
Deposit HK$358K · loan HK$536K · min. income ≈ HK$5,198/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,721
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,794
−HK$74/mo
Today · 4.125%
HK$2,868
baseline
▲ 0.50% · 4.625%
HK$3,019
+HK$151/mo
Deposit HK$358K · loan HK$536K · min. income ≈ HK$5,736/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,853
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,942
−HK$90/mo
Today · 4.125%
HK$3,032
baseline
▲ 0.50% · 4.625%
HK$3,217
+HK$185/mo
Deposit HK$268K · loan HK$626K · min. income ≈ HK$6,064/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,174
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,259
−HK$87/mo
Today · 4.125%
HK$3,346
baseline
▲ 0.50% · 4.625%
HK$3,522
+HK$176/mo
Deposit HK$268K · loan HK$626K · min. income ≈ HK$6,692/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,668
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,783
−HK$116/mo
Today · 4.125%
HK$3,899
baseline
▲ 0.50% · 4.625%
HK$4,136
+HK$237/mo
Deposit HK$89K · loan HK$804K · min. income ≈ HK$7,798/mo (50% DSR)
Upfront cash ≈ HK$89K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,081
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,191
−HK$111/mo
Today · 4.125%
HK$4,302
baseline
▲ 0.50% · 4.625%
HK$4,528
+HK$226/mo
Deposit HK$89K · loan HK$804K · min. income ≈ HK$8,604/mo (50% DSR)
Upfront cash ≈ HK$89K (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).