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$2,387
−HK$149/mo
▼ 0.25% · 3.875%
HK$2,461
−HK$75/mo
Today · 4.125%
HK$2,536
baseline
▲ 0.50% · 4.625%
HK$2,691
+HK$155/mo
Deposit HK$523K · loan HK$523K · min. income ≈ HK$5,072/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,655
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,726
−HK$73/mo
Today · 4.125%
HK$2,799
baseline
▲ 0.50% · 4.625%
HK$2,946
+HK$147/mo
Deposit HK$523K · loan HK$523K · min. income ≈ HK$5,598/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,864
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,953
−HK$91/mo
Today · 4.125%
HK$3,044
baseline
▲ 0.50% · 4.625%
HK$3,229
+HK$185/mo
Deposit HK$419K · loan HK$628K · min. income ≈ HK$6,088/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,186
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,272
−HK$86/mo
Today · 4.125%
HK$3,358
baseline
▲ 0.50% · 4.625%
HK$3,535
+HK$177/mo
Deposit HK$419K · loan HK$628K · min. income ≈ HK$6,716/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,341
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,445
−HK$106/mo
Today · 4.125%
HK$3,551
baseline
▲ 0.50% · 4.625%
HK$3,767
+HK$216/mo
Deposit HK$314K · loan HK$733K · min. income ≈ HK$7,102/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,717
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,817
−HK$101/mo
Today · 4.125%
HK$3,918
baseline
▲ 0.50% · 4.625%
HK$4,124
+HK$206/mo
Deposit HK$314K · loan HK$733K · min. income ≈ HK$7,836/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,296
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$136/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,843
+HK$278/mo
Deposit HK$105K · loan HK$942K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,779
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$130/mo
Today · 4.125%
HK$5,037
baseline
▲ 0.50% · 4.625%
HK$5,303
+HK$266/mo
Deposit HK$105K · loan HK$942K · min. income ≈ HK$10,074/mo (50% DSR)
Upfront cash ≈ HK$105K (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).