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$2,462
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,539
−HK$78/mo
Today · 4.125%
HK$2,617
baseline
▲ 0.50% · 4.625%
HK$2,776
+HK$159/mo
Deposit HK$540K · loan HK$540K · min. income ≈ HK$5,234/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,739
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,813
−HK$74/mo
Today · 4.125%
HK$2,887
baseline
▲ 0.50% · 4.625%
HK$3,040
+HK$153/mo
Deposit HK$540K · loan HK$540K · min. income ≈ HK$5,774/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,955
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,047
−HK$93/mo
Today · 4.125%
HK$3,140
baseline
▲ 0.50% · 4.625%
HK$3,331
+HK$191/mo
Deposit HK$432K · loan HK$648K · min. income ≈ HK$6,280/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,287
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,375
−HK$90/mo
Today · 4.125%
HK$3,465
baseline
▲ 0.50% · 4.625%
HK$3,647
+HK$182/mo
Deposit HK$432K · loan HK$648K · min. income ≈ HK$6,930/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,447
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,555
−HK$109/mo
Today · 4.125%
HK$3,664
baseline
▲ 0.50% · 4.625%
HK$3,886
+HK$222/mo
Deposit HK$324K · loan HK$756K · min. income ≈ HK$7,328/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,835
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,938
−HK$104/mo
Today · 4.125%
HK$4,042
baseline
▲ 0.50% · 4.625%
HK$4,255
+HK$213/mo
Deposit HK$324K · loan HK$756K · min. income ≈ HK$8,084/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,432
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,570
−HK$140/mo
Today · 4.125%
HK$4,710
baseline
▲ 0.50% · 4.625%
HK$4,997
+HK$287/mo
Deposit HK$108K · loan HK$972K · min. income ≈ HK$9,420/mo (50% DSR)
Upfront cash ≈ HK$108K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,931
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,063
−HK$134/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,471
+HK$274/mo
Deposit HK$108K · loan HK$972K · min. income ≈ HK$10,394/mo (50% DSR)
Upfront cash ≈ HK$108K (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).