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$1,491
−HK$94/mo
▼ 0.25% · 3.875%
HK$1,538
−HK$47/mo
Today · 4.125%
HK$1,585
baseline
▲ 0.50% · 4.625%
HK$1,681
+HK$96/mo
Deposit HK$327K · loan HK$327K · min. income ≈ HK$3,170/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$1,659
−HK$90/mo
▼ 0.25% · 3.875%
HK$1,704
−HK$45/mo
Today · 4.125%
HK$1,749
baseline
▲ 0.50% · 4.625%
HK$1,841
+HK$92/mo
Deposit HK$327K · loan HK$327K · min. income ≈ HK$3,498/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$1,790
−HK$112/mo
▼ 0.25% · 3.875%
HK$1,845
−HK$57/mo
Today · 4.125%
HK$1,902
baseline
▲ 0.50% · 4.625%
HK$2,018
+HK$116/mo
Deposit HK$262K · loan HK$392K · min. income ≈ HK$3,804/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,991
−HK$108/mo
▼ 0.25% · 3.875%
HK$2,044
−HK$55/mo
Today · 4.125%
HK$2,099
baseline
▲ 0.50% · 4.625%
HK$2,209
+HK$110/mo
Deposit HK$262K · loan HK$392K · min. income ≈ HK$4,198/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,088
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,153
−HK$66/mo
Today · 4.125%
HK$2,219
baseline
▲ 0.50% · 4.625%
HK$2,354
+HK$135/mo
Deposit HK$196K · loan HK$458K · min. income ≈ HK$4,438/mo (50% DSR)
Upfront cash ≈ HK$196K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,323
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,385
−HK$63/mo
Today · 4.125%
HK$2,448
baseline
▲ 0.50% · 4.625%
HK$2,577
+HK$129/mo
Deposit HK$196K · loan HK$458K · min. income ≈ HK$4,896/mo (50% DSR)
Upfront cash ≈ HK$196K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,684
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,768
−HK$85/mo
Today · 4.125%
HK$2,853
baseline
▲ 0.50% · 4.625%
HK$3,026
+HK$173/mo
Deposit HK$65K · loan HK$589K · min. income ≈ HK$5,706/mo (50% DSR)
Upfront cash ≈ HK$66K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,986
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,067
−HK$81/mo
Today · 4.125%
HK$3,148
baseline
▲ 0.50% · 4.625%
HK$3,314
+HK$166/mo
Deposit HK$65K · loan HK$589K · min. income ≈ HK$6,296/mo (50% DSR)
Upfront cash ≈ HK$66K (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).