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$2,384
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,459
−HK$75/mo
Today · 4.125%
HK$2,534
baseline
▲ 0.50% · 4.625%
HK$2,688
+HK$154/mo
Deposit HK$523K · loan HK$523K · min. income ≈ HK$5,068/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,653
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,724
−HK$72/mo
Today · 4.125%
HK$2,796
baseline
▲ 0.50% · 4.625%
HK$2,943
+HK$147/mo
Deposit HK$523K · loan HK$523K · min. income ≈ HK$5,592/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,861
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,950
−HK$91/mo
Today · 4.125%
HK$3,041
baseline
▲ 0.50% · 4.625%
HK$3,226
+HK$185/mo
Deposit HK$418K · loan HK$627K · min. income ≈ HK$6,082/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,183
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,268
−HK$87/mo
Today · 4.125%
HK$3,355
baseline
▲ 0.50% · 4.625%
HK$3,532
+HK$177/mo
Deposit HK$418K · loan HK$627K · min. income ≈ HK$6,710/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,338
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,442
−HK$105/mo
Today · 4.125%
HK$3,547
baseline
▲ 0.50% · 4.625%
HK$3,763
+HK$216/mo
Deposit HK$314K · loan HK$732K · min. income ≈ HK$7,094/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,714
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,813
−HK$101/mo
Today · 4.125%
HK$3,914
baseline
▲ 0.50% · 4.625%
HK$4,121
+HK$207/mo
Deposit HK$314K · loan HK$732K · min. income ≈ HK$7,828/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,292
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,425
−HK$136/mo
Today · 4.125%
HK$4,561
baseline
▲ 0.50% · 4.625%
HK$4,838
+HK$277/mo
Deposit HK$105K · loan HK$941K · min. income ≈ HK$9,122/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,775
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,903
−HK$130/mo
Today · 4.125%
HK$5,033
baseline
▲ 0.50% · 4.625%
HK$5,298
+HK$265/mo
Deposit HK$105K · loan HK$941K · min. income ≈ HK$10,066/mo (50% DSR)
Upfront cash ≈ HK$105K (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).