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$2,442
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,518
−HK$77/mo
Today · 4.125%
HK$2,595
baseline
▲ 0.50% · 4.625%
HK$2,753
+HK$158/mo
Deposit HK$535K · loan HK$535K · min. income ≈ HK$5,190/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,717
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,789
−HK$74/mo
Today · 4.125%
HK$2,863
baseline
▲ 0.50% · 4.625%
HK$3,014
+HK$151/mo
Deposit HK$535K · loan HK$535K · min. income ≈ HK$5,726/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,930
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,021
−HK$93/mo
Today · 4.125%
HK$3,114
baseline
▲ 0.50% · 4.625%
HK$3,304
+HK$190/mo
Deposit HK$428K · loan HK$643K · min. income ≈ HK$6,228/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,260
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,347
−HK$89/mo
Today · 4.125%
HK$3,436
baseline
▲ 0.50% · 4.625%
HK$3,617
+HK$181/mo
Deposit HK$428K · loan HK$643K · min. income ≈ HK$6,872/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,419
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,525
−HK$108/mo
Today · 4.125%
HK$3,633
baseline
▲ 0.50% · 4.625%
HK$3,854
+HK$221/mo
Deposit HK$321K · loan HK$750K · min. income ≈ HK$7,266/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,803
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,905
−HK$104/mo
Today · 4.125%
HK$4,009
baseline
▲ 0.50% · 4.625%
HK$4,220
+HK$211/mo
Deposit HK$321K · loan HK$750K · min. income ≈ HK$8,018/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,395
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,532
−HK$139/mo
Today · 4.125%
HK$4,671
baseline
▲ 0.50% · 4.625%
HK$4,955
+HK$284/mo
Deposit HK$107K · loan HK$964K · min. income ≈ HK$9,342/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,890
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,021
−HK$133/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,426
+HK$272/mo
Deposit HK$107K · loan HK$964K · min. income ≈ HK$10,308/mo (50% DSR)
Upfront cash ≈ HK$107K (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).