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$1,749
−HK$110/mo
▼ 0.25% · 3.875%
HK$1,804
−HK$55/mo
Today · 4.125%
HK$1,859
baseline
▲ 0.50% · 4.625%
HK$1,972
+HK$113/mo
Deposit HK$384K · loan HK$384K · min. income ≈ HK$3,718/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,946
−HK$105/mo
▼ 0.25% · 3.875%
HK$1,998
−HK$53/mo
Today · 4.125%
HK$2,051
baseline
▲ 0.50% · 4.625%
HK$2,159
+HK$108/mo
Deposit HK$384K · loan HK$384K · min. income ≈ HK$4,102/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,099
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,164
−HK$67/mo
Today · 4.125%
HK$2,231
baseline
▲ 0.50% · 4.625%
HK$2,366
+HK$135/mo
Deposit HK$307K · loan HK$460K · min. income ≈ HK$4,462/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,335
−HK$126/mo
▼ 0.25% · 3.875%
HK$2,398
−HK$63/mo
Today · 4.125%
HK$2,461
baseline
▲ 0.50% · 4.625%
HK$2,591
+HK$130/mo
Deposit HK$307K · loan HK$460K · min. income ≈ HK$4,922/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,449
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,525
−HK$77/mo
Today · 4.125%
HK$2,602
baseline
▲ 0.50% · 4.625%
HK$2,761
+HK$159/mo
Deposit HK$230K · loan HK$537K · min. income ≈ HK$5,204/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,724
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,797
−HK$74/mo
Today · 4.125%
HK$2,871
baseline
▲ 0.50% · 4.625%
HK$3,023
+HK$152/mo
Deposit HK$230K · loan HK$537K · min. income ≈ HK$5,742/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,148
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,246
−HK$100/mo
Today · 4.125%
HK$3,346
baseline
▲ 0.50% · 4.625%
HK$3,549
+HK$203/mo
Deposit HK$77K · loan HK$690K · min. income ≈ HK$6,692/mo (50% DSR)
Upfront cash ≈ HK$77K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,503
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,596
−HK$96/mo
Today · 4.125%
HK$3,692
baseline
▲ 0.50% · 4.625%
HK$3,886
+HK$194/mo
Deposit HK$77K · loan HK$690K · min. income ≈ HK$7,384/mo (50% DSR)
Upfront cash ≈ HK$77K (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).