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$2,134
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,201
−HK$67/mo
Today · 4.125%
HK$2,268
baseline
▲ 0.50% · 4.625%
HK$2,406
+HK$138/mo
Deposit HK$468K · loan HK$468K · min. income ≈ HK$4,536/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,375
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,438
−HK$65/mo
Today · 4.125%
HK$2,503
baseline
▲ 0.50% · 4.625%
HK$2,635
+HK$132/mo
Deposit HK$468K · loan HK$468K · min. income ≈ HK$5,006/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,561
−HK$161/mo
▼ 0.25% · 3.875%
HK$2,641
−HK$81/mo
Today · 4.125%
HK$2,722
baseline
▲ 0.50% · 4.625%
HK$2,888
+HK$166/mo
Deposit HK$374K · loan HK$562K · min. income ≈ HK$5,444/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,849
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,926
−HK$77/mo
Today · 4.125%
HK$3,003
baseline
▲ 0.50% · 4.625%
HK$3,162
+HK$159/mo
Deposit HK$374K · loan HK$562K · min. income ≈ HK$6,006/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,988
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,081
−HK$95/mo
Today · 4.125%
HK$3,176
baseline
▲ 0.50% · 4.625%
HK$3,369
+HK$193/mo
Deposit HK$281K · loan HK$655K · min. income ≈ HK$6,352/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,324
−HK$180/mo
▼ 0.25% · 3.875%
HK$3,413
−HK$91/mo
Today · 4.125%
HK$3,504
baseline
▲ 0.50% · 4.625%
HK$3,689
+HK$185/mo
Deposit HK$281K · loan HK$655K · min. income ≈ HK$7,008/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,842
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,961
−HK$122/mo
Today · 4.125%
HK$4,083
baseline
▲ 0.50% · 4.625%
HK$4,331
+HK$248/mo
Deposit HK$94K · loan HK$842K · min. income ≈ HK$8,166/mo (50% DSR)
Upfront cash ≈ HK$94K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,274
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,389
−HK$116/mo
Today · 4.125%
HK$4,505
baseline
▲ 0.50% · 4.625%
HK$4,743
+HK$238/mo
Deposit HK$94K · loan HK$842K · min. income ≈ HK$9,010/mo (50% DSR)
Upfront cash ≈ HK$94K (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).