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$1,928
−HK$121/mo
▼ 0.25% · 3.875%
HK$1,988
−HK$61/mo
Today · 4.125%
HK$2,049
baseline
▲ 0.50% · 4.625%
HK$2,173
+HK$124/mo
Deposit HK$423K · loan HK$423K · min. income ≈ HK$4,098/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,145
−HK$115/mo
▼ 0.25% · 3.875%
HK$2,202
−HK$58/mo
Today · 4.125%
HK$2,260
baseline
▲ 0.50% · 4.625%
HK$2,380
+HK$120/mo
Deposit HK$423K · loan HK$423K · min. income ≈ HK$4,520/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,313
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,385
−HK$73/mo
Today · 4.125%
HK$2,458
baseline
▲ 0.50% · 4.625%
HK$2,608
+HK$150/mo
Deposit HK$338K · loan HK$507K · min. income ≈ HK$4,916/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,574
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,643
−HK$70/mo
Today · 4.125%
HK$2,713
baseline
▲ 0.50% · 4.625%
HK$2,856
+HK$143/mo
Deposit HK$338K · loan HK$507K · min. income ≈ HK$5,426/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,699
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,783
−HK$85/mo
Today · 4.125%
HK$2,868
baseline
▲ 0.50% · 4.625%
HK$3,043
+HK$175/mo
Deposit HK$254K · loan HK$592K · min. income ≈ HK$5,736/mo (50% DSR)
Upfront cash ≈ HK$254K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,002
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,083
−HK$82/mo
Today · 4.125%
HK$3,165
baseline
▲ 0.50% · 4.625%
HK$3,331
+HK$166/mo
Deposit HK$254K · loan HK$592K · min. income ≈ HK$6,330/mo (50% DSR)
Upfront cash ≈ HK$254K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,470
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,578
−HK$110/mo
Today · 4.125%
HK$3,688
baseline
▲ 0.50% · 4.625%
HK$3,912
+HK$224/mo
Deposit HK$85K · loan HK$761K · min. income ≈ HK$7,376/mo (50% DSR)
Upfront cash ≈ HK$85K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,860
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,964
−HK$105/mo
Today · 4.125%
HK$4,069
baseline
▲ 0.50% · 4.625%
HK$4,283
+HK$214/mo
Deposit HK$85K · loan HK$761K · min. income ≈ HK$8,138/mo (50% DSR)
Upfront cash ≈ HK$85K (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).