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$1,895
−HK$119/mo
▼ 0.25% · 3.875%
HK$1,954
−HK$60/mo
Today · 4.125%
HK$2,014
baseline
▲ 0.50% · 4.625%
HK$2,136
+HK$122/mo
Deposit HK$415K · loan HK$415K · min. income ≈ HK$4,028/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,108
−HK$114/mo
▼ 0.25% · 3.875%
HK$2,164
−HK$58/mo
Today · 4.125%
HK$2,222
baseline
▲ 0.50% · 4.625%
HK$2,339
+HK$117/mo
Deposit HK$415K · loan HK$415K · min. income ≈ HK$4,444/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,274
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,344
−HK$72/mo
Today · 4.125%
HK$2,416
baseline
▲ 0.50% · 4.625%
HK$2,563
+HK$147/mo
Deposit HK$332K · loan HK$499K · min. income ≈ HK$4,832/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,529
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,597
−HK$69/mo
Today · 4.125%
HK$2,666
baseline
▲ 0.50% · 4.625%
HK$2,807
+HK$141/mo
Deposit HK$332K · loan HK$499K · min. income ≈ HK$5,332/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,653
−HK$166/mo
▼ 0.25% · 3.875%
HK$2,735
−HK$84/mo
Today · 4.125%
HK$2,819
baseline
▲ 0.50% · 4.625%
HK$2,991
+HK$172/mo
Deposit HK$249K · loan HK$582K · min. income ≈ HK$5,638/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,951
−HK$159/mo
▼ 0.25% · 3.875%
HK$3,030
−HK$80/mo
Today · 4.125%
HK$3,110
baseline
▲ 0.50% · 4.625%
HK$3,274
+HK$164/mo
Deposit HK$249K · loan HK$582K · min. income ≈ HK$6,220/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,411
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,517
−HK$107/mo
Today · 4.125%
HK$3,624
baseline
▲ 0.50% · 4.625%
HK$3,845
+HK$221/mo
Deposit HK$83K · loan HK$748K · min. income ≈ HK$7,248/mo (50% DSR)
Upfront cash ≈ HK$83K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,794
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,896
−HK$103/mo
Today · 4.125%
HK$3,999
baseline
▲ 0.50% · 4.625%
HK$4,210
+HK$211/mo
Deposit HK$83K · loan HK$748K · min. income ≈ HK$7,998/mo (50% DSR)
Upfront cash ≈ HK$83K (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).