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$2,235
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,305
−HK$70/mo
Today · 4.125%
HK$2,375
baseline
▲ 0.50% · 4.625%
HK$2,520
+HK$145/mo
Deposit HK$490K · loan HK$490K · min. income ≈ HK$4,750/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,486
−HK$135/mo
▼ 0.25% · 3.875%
HK$2,553
−HK$68/mo
Today · 4.125%
HK$2,621
baseline
▲ 0.50% · 4.625%
HK$2,759
+HK$138/mo
Deposit HK$490K · loan HK$490K · min. income ≈ HK$5,242/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,682
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,766
−HK$84/mo
Today · 4.125%
HK$2,850
baseline
▲ 0.50% · 4.625%
HK$3,024
+HK$174/mo
Deposit HK$392K · loan HK$588K · min. income ≈ HK$5,700/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,984
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,064
−HK$81/mo
Today · 4.125%
HK$3,145
baseline
▲ 0.50% · 4.625%
HK$3,311
+HK$166/mo
Deposit HK$392K · loan HK$588K · min. income ≈ HK$6,290/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,129
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,226
−HK$99/mo
Today · 4.125%
HK$3,325
baseline
▲ 0.50% · 4.625%
HK$3,528
+HK$203/mo
Deposit HK$294K · loan HK$686K · min. income ≈ HK$6,650/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,481
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,574
−HK$95/mo
Today · 4.125%
HK$3,669
baseline
▲ 0.50% · 4.625%
HK$3,863
+HK$194/mo
Deposit HK$294K · loan HK$686K · min. income ≈ HK$7,338/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,023
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,148
−HK$127/mo
Today · 4.125%
HK$4,275
baseline
▲ 0.50% · 4.625%
HK$4,536
+HK$261/mo
Deposit HK$98K · loan HK$882K · min. income ≈ HK$8,550/mo (50% DSR)
Upfront cash ≈ HK$98K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,476
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,596
−HK$122/mo
Today · 4.125%
HK$4,718
baseline
▲ 0.50% · 4.625%
HK$4,966
+HK$248/mo
Deposit HK$98K · loan HK$882K · min. income ≈ HK$9,436/mo (50% DSR)
Upfront cash ≈ HK$98K (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).