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$1,864
−HK$117/mo
▼ 0.25% · 3.875%
HK$1,922
−HK$59/mo
Today · 4.125%
HK$1,981
baseline
▲ 0.50% · 4.625%
HK$2,102
+HK$121/mo
Deposit HK$409K · loan HK$409K · min. income ≈ HK$3,962/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,074
−HK$112/mo
▼ 0.25% · 3.875%
HK$2,130
−HK$56/mo
Today · 4.125%
HK$2,186
baseline
▲ 0.50% · 4.625%
HK$2,301
+HK$115/mo
Deposit HK$409K · loan HK$409K · min. income ≈ HK$4,372/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,237
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,307
−HK$70/mo
Today · 4.125%
HK$2,377
baseline
▲ 0.50% · 4.625%
HK$2,522
+HK$145/mo
Deposit HK$327K · loan HK$491K · min. income ≈ HK$4,754/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,489
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,556
−HK$67/mo
Today · 4.125%
HK$2,623
baseline
▲ 0.50% · 4.625%
HK$2,762
+HK$139/mo
Deposit HK$327K · loan HK$491K · min. income ≈ HK$5,246/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,610
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,691
−HK$83/mo
Today · 4.125%
HK$2,774
baseline
▲ 0.50% · 4.625%
HK$2,942
+HK$168/mo
Deposit HK$245K · loan HK$572K · min. income ≈ HK$5,548/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,904
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,982
−HK$79/mo
Today · 4.125%
HK$3,061
baseline
▲ 0.50% · 4.625%
HK$3,222
+HK$161/mo
Deposit HK$245K · loan HK$572K · min. income ≈ HK$6,122/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,356
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,460
−HK$106/mo
Today · 4.125%
HK$3,566
baseline
▲ 0.50% · 4.625%
HK$3,783
+HK$217/mo
Deposit HK$82K · loan HK$736K · min. income ≈ HK$7,132/mo (50% DSR)
Upfront cash ≈ HK$82K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,733
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,833
−HK$102/mo
Today · 4.125%
HK$3,935
baseline
▲ 0.50% · 4.625%
HK$4,142
+HK$207/mo
Deposit HK$82K · loan HK$736K · min. income ≈ HK$7,870/mo (50% DSR)
Upfront cash ≈ HK$82K (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).