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$2,230
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,300
−HK$70/mo
Today · 4.125%
HK$2,370
baseline
▲ 0.50% · 4.625%
HK$2,514
+HK$144/mo
Deposit HK$489K · loan HK$489K · min. income ≈ HK$4,740/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,481
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,548
−HK$67/mo
Today · 4.125%
HK$2,615
baseline
▲ 0.50% · 4.625%
HK$2,753
+HK$138/mo
Deposit HK$489K · loan HK$489K · min. income ≈ HK$5,230/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,676
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,760
−HK$84/mo
Today · 4.125%
HK$2,844
baseline
▲ 0.50% · 4.625%
HK$3,017
+HK$173/mo
Deposit HK$391K · loan HK$587K · min. income ≈ HK$5,688/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,978
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,057
−HK$81/mo
Today · 4.125%
HK$3,138
baseline
▲ 0.50% · 4.625%
HK$3,304
+HK$166/mo
Deposit HK$391K · loan HK$587K · min. income ≈ HK$6,276/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,123
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,220
−HK$98/mo
Today · 4.125%
HK$3,318
baseline
▲ 0.50% · 4.625%
HK$3,520
+HK$202/mo
Deposit HK$293K · loan HK$685K · min. income ≈ HK$6,636/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,474
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,567
−HK$94/mo
Today · 4.125%
HK$3,661
baseline
▲ 0.50% · 4.625%
HK$3,854
+HK$193/mo
Deposit HK$293K · loan HK$685K · min. income ≈ HK$7,322/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,015
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,140
−HK$126/mo
Today · 4.125%
HK$4,266
baseline
▲ 0.50% · 4.625%
HK$4,526
+HK$260/mo
Deposit HK$98K · loan HK$880K · min. income ≈ HK$8,532/mo (50% DSR)
Upfront cash ≈ HK$98K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,466
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,586
−HK$122/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,956
+HK$248/mo
Deposit HK$98K · loan HK$880K · min. income ≈ HK$9,416/mo (50% DSR)
Upfront cash ≈ HK$98K (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).