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$2,413
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,488
−HK$77/mo
Today · 4.125%
HK$2,565
baseline
▲ 0.50% · 4.625%
HK$2,721
+HK$156/mo
Deposit HK$529K · loan HK$529K · min. income ≈ HK$5,130/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,685
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,757
−HK$73/mo
Today · 4.125%
HK$2,830
baseline
▲ 0.50% · 4.625%
HK$2,979
+HK$149/mo
Deposit HK$529K · loan HK$529K · min. income ≈ HK$5,660/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,896
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,986
−HK$91/mo
Today · 4.125%
HK$3,077
baseline
▲ 0.50% · 4.625%
HK$3,265
+HK$188/mo
Deposit HK$423K · loan HK$635K · min. income ≈ HK$6,154/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,222
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,308
−HK$88/mo
Today · 4.125%
HK$3,396
baseline
▲ 0.50% · 4.625%
HK$3,575
+HK$179/mo
Deposit HK$423K · loan HK$635K · min. income ≈ HK$6,792/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,378
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,484
−HK$106/mo
Today · 4.125%
HK$3,590
baseline
▲ 0.50% · 4.625%
HK$3,809
+HK$219/mo
Deposit HK$317K · loan HK$741K · min. income ≈ HK$7,180/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$3,759
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,859
−HK$103/mo
Today · 4.125%
HK$3,962
baseline
▲ 0.50% · 4.625%
HK$4,170
+HK$208/mo
Deposit HK$317K · loan HK$741K · min. income ≈ HK$7,924/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$4,344
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,479
−HK$137/mo
Today · 4.125%
HK$4,616
baseline
▲ 0.50% · 4.625%
HK$4,897
+HK$281/mo
Deposit HK$106K · loan HK$952K · min. income ≈ HK$9,232/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$4,832
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,962
−HK$131/mo
Today · 4.125%
HK$5,093
baseline
▲ 0.50% · 4.625%
HK$5,362
+HK$269/mo
Deposit HK$106K · loan HK$952K · min. income ≈ HK$10,186/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).