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$2,401
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,476
−HK$76/mo
Today · 4.125%
HK$2,552
baseline
▲ 0.50% · 4.625%
HK$2,707
+HK$155/mo
Deposit HK$527K · loan HK$527K · min. income ≈ HK$5,104/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,671
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,743
−HK$73/mo
Today · 4.125%
HK$2,816
baseline
▲ 0.50% · 4.625%
HK$2,964
+HK$148/mo
Deposit HK$527K · loan HK$527K · min. income ≈ HK$5,632/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,881
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,971
−HK$91/mo
Today · 4.125%
HK$3,062
baseline
▲ 0.50% · 4.625%
HK$3,248
+HK$186/mo
Deposit HK$421K · loan HK$632K · min. income ≈ HK$6,124/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,206
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,292
−HK$87/mo
Today · 4.125%
HK$3,379
baseline
▲ 0.50% · 4.625%
HK$3,557
+HK$178/mo
Deposit HK$421K · loan HK$632K · min. income ≈ HK$6,758/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,362
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,466
−HK$106/mo
Today · 4.125%
HK$3,572
baseline
▲ 0.50% · 4.625%
HK$3,790
+HK$218/mo
Deposit HK$316K · loan HK$737K · min. income ≈ HK$7,144/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,740
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,840
−HK$102/mo
Today · 4.125%
HK$3,942
baseline
▲ 0.50% · 4.625%
HK$4,150
+HK$208/mo
Deposit HK$316K · loan HK$737K · min. income ≈ HK$7,884/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,322
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,457
−HK$136/mo
Today · 4.125%
HK$4,593
baseline
▲ 0.50% · 4.625%
HK$4,873
+HK$280/mo
Deposit HK$105K · loan HK$948K · min. income ≈ HK$9,186/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$4,808
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$131/mo
Today · 4.125%
HK$5,068
baseline
▲ 0.50% · 4.625%
HK$5,335
+HK$267/mo
Deposit HK$105K · loan HK$948K · min. income ≈ HK$10,136/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).