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$2,416
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,492
−HK$76/mo
Today · 4.125%
HK$2,568
baseline
▲ 0.50% · 4.625%
HK$2,724
+HK$156/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,136/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,688
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,760
−HK$74/mo
Today · 4.125%
HK$2,834
baseline
▲ 0.50% · 4.625%
HK$2,983
+HK$149/mo
Deposit HK$530K · loan HK$530K · min. income ≈ HK$5,668/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,900
−HK$182/mo
▼ 0.25% · 3.875%
HK$2,990
−HK$92/mo
Today · 4.125%
HK$3,082
baseline
▲ 0.50% · 4.625%
HK$3,269
+HK$187/mo
Deposit HK$424K · loan HK$636K · min. income ≈ HK$6,164/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,226
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,312
−HK$88/mo
Today · 4.125%
HK$3,400
baseline
▲ 0.50% · 4.625%
HK$3,579
+HK$179/mo
Deposit HK$424K · loan HK$636K · min. income ≈ HK$6,800/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,383
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,488
−HK$107/mo
Today · 4.125%
HK$3,595
baseline
▲ 0.50% · 4.625%
HK$3,814
+HK$219/mo
Deposit HK$318K · loan HK$742K · min. income ≈ HK$7,190/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,764
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,865
−HK$102/mo
Today · 4.125%
HK$3,967
baseline
▲ 0.50% · 4.625%
HK$4,176
+HK$209/mo
Deposit HK$318K · loan HK$742K · min. income ≈ HK$7,934/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,350
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,485
−HK$137/mo
Today · 4.125%
HK$4,622
baseline
▲ 0.50% · 4.625%
HK$4,904
+HK$282/mo
Deposit HK$106K · loan HK$954K · min. income ≈ HK$9,244/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$4,839
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,969
−HK$131/mo
Today · 4.125%
HK$5,100
baseline
▲ 0.50% · 4.625%
HK$5,369
+HK$269/mo
Deposit HK$106K · loan HK$954K · min. income ≈ HK$10,200/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).