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$2,264
−HK$142/mo
▼ 0.25% · 3.875%
HK$2,334
−HK$72/mo
Today · 4.125%
HK$2,406
baseline
▲ 0.50% · 4.625%
HK$2,552
+HK$146/mo
Deposit HK$496K · loan HK$496K · min. income ≈ HK$4,812/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,518
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,586
−HK$68/mo
Today · 4.125%
HK$2,654
baseline
▲ 0.50% · 4.625%
HK$2,794
+HK$140/mo
Deposit HK$496K · loan HK$496K · min. income ≈ HK$5,308/mo (50% DSR)
Upfront cash ≈ HK$496K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,717
−HK$170/mo
▼ 0.25% · 3.875%
HK$2,801
−HK$86/mo
Today · 4.125%
HK$2,887
baseline
▲ 0.50% · 4.625%
HK$3,063
+HK$176/mo
Deposit HK$397K · loan HK$596K · min. income ≈ HK$5,774/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,022
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,103
−HK$82/mo
Today · 4.125%
HK$3,185
baseline
▲ 0.50% · 4.625%
HK$3,353
+HK$168/mo
Deposit HK$397K · loan HK$596K · min. income ≈ HK$6,370/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,169
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,268
−HK$100/mo
Today · 4.125%
HK$3,368
baseline
▲ 0.50% · 4.625%
HK$3,573
+HK$205/mo
Deposit HK$298K · loan HK$695K · min. income ≈ HK$6,736/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,526
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,620
−HK$96/mo
Today · 4.125%
HK$3,716
baseline
▲ 0.50% · 4.625%
HK$3,912
+HK$196/mo
Deposit HK$298K · loan HK$695K · min. income ≈ HK$7,432/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,075
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,202
−HK$128/mo
Today · 4.125%
HK$4,330
baseline
▲ 0.50% · 4.625%
HK$4,594
+HK$264/mo
Deposit HK$99K · loan HK$893K · min. income ≈ HK$8,660/mo (50% DSR)
Upfront cash ≈ HK$99K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,533
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$123/mo
Today · 4.125%
HK$4,778
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$252/mo
Deposit HK$99K · loan HK$893K · min. income ≈ HK$9,556/mo (50% DSR)
Upfront cash ≈ HK$99K (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).