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$2,382
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,457
−HK$75/mo
Today · 4.125%
HK$2,532
baseline
▲ 0.50% · 4.625%
HK$2,686
+HK$154/mo
Deposit HK$522K · loan HK$522K · min. income ≈ HK$5,064/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,650
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,721
−HK$73/mo
Today · 4.125%
HK$2,794
baseline
▲ 0.50% · 4.625%
HK$2,941
+HK$147/mo
Deposit HK$522K · loan HK$522K · min. income ≈ HK$5,588/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,859
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,948
−HK$90/mo
Today · 4.125%
HK$3,038
baseline
▲ 0.50% · 4.625%
HK$3,223
+HK$185/mo
Deposit HK$418K · loan HK$627K · min. income ≈ HK$6,076/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$3,180
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,266
−HK$86/mo
Today · 4.125%
HK$3,352
baseline
▲ 0.50% · 4.625%
HK$3,529
+HK$177/mo
Deposit HK$418K · loan HK$627K · min. income ≈ HK$6,704/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$3,335
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,439
−HK$106/mo
Today · 4.125%
HK$3,545
baseline
▲ 0.50% · 4.625%
HK$3,760
+HK$215/mo
Deposit HK$313K · loan HK$731K · min. income ≈ HK$7,090/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$3,711
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,810
−HK$101/mo
Today · 4.125%
HK$3,911
baseline
▲ 0.50% · 4.625%
HK$4,117
+HK$206/mo
Deposit HK$313K · loan HK$731K · min. income ≈ HK$7,822/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$4,288
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,422
−HK$135/mo
Today · 4.125%
HK$4,557
baseline
▲ 0.50% · 4.625%
HK$4,835
+HK$278/mo
Deposit HK$104K · loan HK$940K · min. income ≈ HK$9,114/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$4,771
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,899
−HK$129/mo
Today · 4.125%
HK$5,028
baseline
▲ 0.50% · 4.625%
HK$5,294
+HK$266/mo
Deposit HK$104K · loan HK$940K · min. income ≈ HK$10,056/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).