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$2,173
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,240
−HK$69/mo
Today · 4.125%
HK$2,309
baseline
▲ 0.50% · 4.625%
HK$2,450
+HK$141/mo
Deposit HK$476K · loan HK$476K · min. income ≈ HK$4,618/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,417
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,482
−HK$66/mo
Today · 4.125%
HK$2,548
baseline
▲ 0.50% · 4.625%
HK$2,682
+HK$134/mo
Deposit HK$476K · loan HK$476K · min. income ≈ HK$5,096/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,607
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,688
−HK$83/mo
Today · 4.125%
HK$2,771
baseline
▲ 0.50% · 4.625%
HK$2,939
+HK$168/mo
Deposit HK$381K · loan HK$572K · min. income ≈ HK$5,542/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,901
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,978
−HK$79/mo
Today · 4.125%
HK$3,057
baseline
▲ 0.50% · 4.625%
HK$3,219
+HK$162/mo
Deposit HK$381K · loan HK$572K · min. income ≈ HK$6,114/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,042
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,137
−HK$96/mo
Today · 4.125%
HK$3,233
baseline
▲ 0.50% · 4.625%
HK$3,429
+HK$196/mo
Deposit HK$286K · loan HK$667K · min. income ≈ HK$6,466/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,384
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,475
−HK$92/mo
Today · 4.125%
HK$3,567
baseline
▲ 0.50% · 4.625%
HK$3,755
+HK$188/mo
Deposit HK$286K · loan HK$667K · min. income ≈ HK$7,134/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,911
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,033
−HK$123/mo
Today · 4.125%
HK$4,156
baseline
▲ 0.50% · 4.625%
HK$4,409
+HK$253/mo
Deposit HK$95K · loan HK$858K · min. income ≈ HK$8,312/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,351
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,468
−HK$118/mo
Today · 4.125%
HK$4,586
baseline
▲ 0.50% · 4.625%
HK$4,828
+HK$242/mo
Deposit HK$95K · loan HK$858K · min. income ≈ HK$9,172/mo (50% DSR)
Upfront cash ≈ HK$95K (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).