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$2,281
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,352
−HK$72/mo
Today · 4.125%
HK$2,424
baseline
▲ 0.50% · 4.625%
HK$2,572
+HK$148/mo
Deposit HK$500K · loan HK$500K · min. income ≈ HK$4,848/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,538
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,606
−HK$69/mo
Today · 4.125%
HK$2,675
baseline
▲ 0.50% · 4.625%
HK$2,816
+HK$141/mo
Deposit HK$500K · loan HK$500K · min. income ≈ HK$5,350/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,738
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,823
−HK$86/mo
Today · 4.125%
HK$2,909
baseline
▲ 0.50% · 4.625%
HK$3,086
+HK$177/mo
Deposit HK$400K · loan HK$600K · min. income ≈ HK$5,818/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,046
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,127
−HK$83/mo
Today · 4.125%
HK$3,210
baseline
▲ 0.50% · 4.625%
HK$3,379
+HK$169/mo
Deposit HK$400K · loan HK$600K · min. income ≈ HK$6,420/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,194
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,293
−HK$101/mo
Today · 4.125%
HK$3,394
baseline
▲ 0.50% · 4.625%
HK$3,601
+HK$207/mo
Deposit HK$300K · loan HK$700K · min. income ≈ HK$6,788/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,553
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,649
−HK$96/mo
Today · 4.125%
HK$3,745
baseline
▲ 0.50% · 4.625%
HK$3,943
+HK$198/mo
Deposit HK$300K · loan HK$700K · min. income ≈ HK$7,490/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,106
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,234
−HK$130/mo
Today · 4.125%
HK$4,364
baseline
▲ 0.50% · 4.625%
HK$4,630
+HK$266/mo
Deposit HK$100K · loan HK$900K · min. income ≈ HK$8,728/mo (50% DSR)
Upfront cash ≈ HK$100K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,568
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$124/mo
Today · 4.125%
HK$4,815
baseline
▲ 0.50% · 4.625%
HK$5,069
+HK$254/mo
Deposit HK$100K · loan HK$900K · min. income ≈ HK$9,630/mo (50% DSR)
Upfront cash ≈ HK$100K (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).