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$2,518
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,596
−HK$80/mo
Today · 4.125%
HK$2,676
baseline
▲ 0.50% · 4.625%
HK$2,839
+HK$163/mo
Deposit HK$552K · loan HK$552K · min. income ≈ HK$5,352/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,801
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,877
−HK$76/mo
Today · 4.125%
HK$2,953
baseline
▲ 0.50% · 4.625%
HK$3,108
+HK$155/mo
Deposit HK$552K · loan HK$552K · min. income ≈ HK$5,906/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,022
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,116
−HK$95/mo
Today · 4.125%
HK$3,211
baseline
▲ 0.50% · 4.625%
HK$3,407
+HK$196/mo
Deposit HK$442K · loan HK$663K · min. income ≈ HK$6,422/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,362
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,452
−HK$91/mo
Today · 4.125%
HK$3,543
baseline
▲ 0.50% · 4.625%
HK$3,730
+HK$187/mo
Deposit HK$442K · loan HK$663K · min. income ≈ HK$7,086/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,525
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,635
−HK$111/mo
Today · 4.125%
HK$3,746
baseline
▲ 0.50% · 4.625%
HK$3,974
+HK$228/mo
Deposit HK$331K · loan HK$773K · min. income ≈ HK$7,492/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,922
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,027
−HK$107/mo
Today · 4.125%
HK$4,134
baseline
▲ 0.50% · 4.625%
HK$4,352
+HK$218/mo
Deposit HK$331K · loan HK$773K · min. income ≈ HK$8,268/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,533
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,674
−HK$143/mo
Today · 4.125%
HK$4,817
baseline
▲ 0.50% · 4.625%
HK$5,110
+HK$293/mo
Deposit HK$110K · loan HK$994K · min. income ≈ HK$9,634/mo (50% DSR)
Upfront cash ≈ HK$111K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,042
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,178
−HK$137/mo
Today · 4.125%
HK$5,315
baseline
▲ 0.50% · 4.625%
HK$5,595
+HK$280/mo
Deposit HK$110K · loan HK$994K · min. income ≈ HK$10,630/mo (50% DSR)
Upfront cash ≈ HK$111K (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).