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$2,421
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,496
−HK$77/mo
Today · 4.125%
HK$2,573
baseline
▲ 0.50% · 4.625%
HK$2,729
+HK$156/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,146/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,693
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,765
−HK$74/mo
Today · 4.125%
HK$2,839
baseline
▲ 0.50% · 4.625%
HK$2,988
+HK$149/mo
Deposit HK$531K · loan HK$531K · min. income ≈ HK$5,678/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,905
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,995
−HK$92/mo
Today · 4.125%
HK$3,087
baseline
▲ 0.50% · 4.625%
HK$3,275
+HK$188/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,174/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,232
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,318
−HK$88/mo
Today · 4.125%
HK$3,406
baseline
▲ 0.50% · 4.625%
HK$3,586
+HK$180/mo
Deposit HK$425K · loan HK$637K · min. income ≈ HK$6,812/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,389
−HK$213/mo
▼ 0.25% · 3.875%
HK$3,495
−HK$107/mo
Today · 4.125%
HK$3,602
baseline
▲ 0.50% · 4.625%
HK$3,821
+HK$219/mo
Deposit HK$318K · loan HK$743K · min. income ≈ HK$7,204/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,770
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,872
−HK$102/mo
Today · 4.125%
HK$3,974
baseline
▲ 0.50% · 4.625%
HK$4,184
+HK$210/mo
Deposit HK$318K · loan HK$743K · min. income ≈ HK$7,948/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,358
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,493
−HK$138/mo
Today · 4.125%
HK$4,631
baseline
▲ 0.50% · 4.625%
HK$4,913
+HK$282/mo
Deposit HK$106K · loan HK$955K · min. income ≈ HK$9,262/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,848
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$132/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,379
+HK$269/mo
Deposit HK$106K · loan HK$955K · min. income ≈ HK$10,220/mo (50% DSR)
Upfront cash ≈ HK$106K (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).