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$2,363
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,436
−HK$75/mo
Today · 4.125%
HK$2,511
baseline
▲ 0.50% · 4.625%
HK$2,664
+HK$153/mo
Deposit HK$518K · loan HK$518K · min. income ≈ HK$5,022/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,628
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,699
−HK$71/mo
Today · 4.125%
HK$2,770
baseline
▲ 0.50% · 4.625%
HK$2,916
+HK$146/mo
Deposit HK$518K · loan HK$518K · min. income ≈ HK$5,540/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,835
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,923
−HK$90/mo
Today · 4.125%
HK$3,013
baseline
▲ 0.50% · 4.625%
HK$3,196
+HK$183/mo
Deposit HK$414K · loan HK$622K · min. income ≈ HK$6,026/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,154
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,239
−HK$86/mo
Today · 4.125%
HK$3,325
baseline
▲ 0.50% · 4.625%
HK$3,500
+HK$175/mo
Deposit HK$414K · loan HK$622K · min. income ≈ HK$6,650/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,308
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,411
−HK$104/mo
Today · 4.125%
HK$3,515
baseline
▲ 0.50% · 4.625%
HK$3,729
+HK$214/mo
Deposit HK$311K · loan HK$725K · min. income ≈ HK$7,030/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,680
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,778
−HK$101/mo
Today · 4.125%
HK$3,879
baseline
▲ 0.50% · 4.625%
HK$4,083
+HK$204/mo
Deposit HK$311K · loan HK$725K · min. income ≈ HK$7,758/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,253
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,385
−HK$134/mo
Today · 4.125%
HK$4,519
baseline
▲ 0.50% · 4.625%
HK$4,794
+HK$275/mo
Deposit HK$104K · loan HK$933K · min. income ≈ HK$9,038/mo (50% DSR)
Upfront cash ≈ HK$104K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,731
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,858
−HK$129/mo
Today · 4.125%
HK$4,987
baseline
▲ 0.50% · 4.625%
HK$5,250
+HK$263/mo
Deposit HK$104K · loan HK$933K · min. income ≈ HK$9,974/mo (50% DSR)
Upfront cash ≈ HK$104K (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).