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$2,216
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,285
−HK$70/mo
Today · 4.125%
HK$2,355
baseline
▲ 0.50% · 4.625%
HK$2,499
+HK$144/mo
Deposit HK$486K · loan HK$486K · min. income ≈ HK$4,710/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,466
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,532
−HK$67/mo
Today · 4.125%
HK$2,599
baseline
▲ 0.50% · 4.625%
HK$2,736
+HK$137/mo
Deposit HK$486K · loan HK$486K · min. income ≈ HK$5,198/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,660
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,742
−HK$85/mo
Today · 4.125%
HK$2,827
baseline
▲ 0.50% · 4.625%
HK$2,999
+HK$172/mo
Deposit HK$389K · loan HK$583K · min. income ≈ HK$5,654/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,959
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,038
−HK$81/mo
Today · 4.125%
HK$3,119
baseline
▲ 0.50% · 4.625%
HK$3,283
+HK$164/mo
Deposit HK$389K · loan HK$583K · min. income ≈ HK$6,238/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,103
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,200
−HK$98/mo
Today · 4.125%
HK$3,298
baseline
▲ 0.50% · 4.625%
HK$3,498
+HK$200/mo
Deposit HK$292K · loan HK$680K · min. income ≈ HK$6,596/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,452
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,545
−HK$94/mo
Today · 4.125%
HK$3,639
baseline
▲ 0.50% · 4.625%
HK$3,830
+HK$191/mo
Deposit HK$292K · loan HK$680K · min. income ≈ HK$7,278/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,990
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,114
−HK$126/mo
Today · 4.125%
HK$4,240
baseline
▲ 0.50% · 4.625%
HK$4,498
+HK$258/mo
Deposit HK$97K · loan HK$875K · min. income ≈ HK$8,480/mo (50% DSR)
Upfront cash ≈ HK$97K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,438
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,557
−HK$121/mo
Today · 4.125%
HK$4,678
baseline
▲ 0.50% · 4.625%
HK$4,925
+HK$247/mo
Deposit HK$97K · loan HK$875K · min. income ≈ HK$9,356/mo (50% DSR)
Upfront cash ≈ HK$97K (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).