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$2,083
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,148
−HK$66/mo
Today · 4.125%
HK$2,214
baseline
▲ 0.50% · 4.625%
HK$2,348
+HK$134/mo
Deposit HK$457K · loan HK$457K · min. income ≈ HK$4,428/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,317
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,380
−HK$63/mo
Today · 4.125%
HK$2,443
baseline
▲ 0.50% · 4.625%
HK$2,571
+HK$128/mo
Deposit HK$457K · loan HK$457K · min. income ≈ HK$4,886/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,500
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,578
−HK$79/mo
Today · 4.125%
HK$2,657
baseline
▲ 0.50% · 4.625%
HK$2,818
+HK$161/mo
Deposit HK$365K · loan HK$548K · min. income ≈ HK$5,314/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,781
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,856
−HK$75/mo
Today · 4.125%
HK$2,931
baseline
▲ 0.50% · 4.625%
HK$3,086
+HK$155/mo
Deposit HK$365K · loan HK$548K · min. income ≈ HK$5,862/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,916
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,007
−HK$92/mo
Today · 4.125%
HK$3,099
baseline
▲ 0.50% · 4.625%
HK$3,288
+HK$189/mo
Deposit HK$274K · loan HK$639K · min. income ≈ HK$6,198/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,244
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,331
−HK$89/mo
Today · 4.125%
HK$3,420
baseline
▲ 0.50% · 4.625%
HK$3,600
+HK$180/mo
Deposit HK$274K · loan HK$639K · min. income ≈ HK$6,840/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,750
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,866
−HK$119/mo
Today · 4.125%
HK$3,985
baseline
▲ 0.50% · 4.625%
HK$4,227
+HK$242/mo
Deposit HK$91K · loan HK$822K · min. income ≈ HK$7,970/mo (50% DSR)
Upfront cash ≈ HK$91K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,171
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,283
−HK$114/mo
Today · 4.125%
HK$4,397
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$232/mo
Deposit HK$91K · loan HK$822K · min. income ≈ HK$8,794/mo (50% DSR)
Upfront cash ≈ HK$91K (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).