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$2,456
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,532
−HK$78/mo
Today · 4.125%
HK$2,610
baseline
▲ 0.50% · 4.625%
HK$2,769
+HK$159/mo
Deposit HK$539K · loan HK$539K · min. income ≈ HK$5,220/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,732
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,805
−HK$75/mo
Today · 4.125%
HK$2,880
baseline
▲ 0.50% · 4.625%
HK$3,032
+HK$152/mo
Deposit HK$539K · loan HK$539K · min. income ≈ HK$5,760/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,947
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,039
−HK$93/mo
Today · 4.125%
HK$3,132
baseline
▲ 0.50% · 4.625%
HK$3,322
+HK$190/mo
Deposit HK$431K · loan HK$646K · min. income ≈ HK$6,264/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,279
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,366
−HK$90/mo
Today · 4.125%
HK$3,456
baseline
▲ 0.50% · 4.625%
HK$3,638
+HK$182/mo
Deposit HK$431K · loan HK$646K · min. income ≈ HK$6,912/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,438
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,545
−HK$109/mo
Today · 4.125%
HK$3,654
baseline
▲ 0.50% · 4.625%
HK$3,876
+HK$222/mo
Deposit HK$323K · loan HK$754K · min. income ≈ HK$7,308/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,825
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,928
−HK$104/mo
Today · 4.125%
HK$4,032
baseline
▲ 0.50% · 4.625%
HK$4,244
+HK$212/mo
Deposit HK$323K · loan HK$754K · min. income ≈ HK$8,064/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,421
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,558
−HK$140/mo
Today · 4.125%
HK$4,698
baseline
▲ 0.50% · 4.625%
HK$4,984
+HK$286/mo
Deposit HK$108K · loan HK$969K · min. income ≈ HK$9,396/mo (50% DSR)
Upfront cash ≈ HK$108K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,918
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,050
−HK$133/mo
Today · 4.125%
HK$5,183
baseline
▲ 0.50% · 4.625%
HK$5,457
+HK$274/mo
Deposit HK$108K · loan HK$969K · min. income ≈ HK$10,366/mo (50% DSR)
Upfront cash ≈ HK$108K (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).